Exhibit 99.02 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 |
| 6000074868 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2022-03-02 13:47 | 2022-03-02 13:47 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing
*** Privacy Fact Sheet names non-settlement provider affiliate as defined by
client; SSPL does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/02/2022 |
Acknowledged-Required Affiliated Business Disclosure Missing
*** Privacy Fact Sheet names non-settlement provider affiliate as defined by
client; SSPL does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-03/02/2022 |
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 | 326478 | ||||||
| 6000083508 | C | B | C | A | B | B | A | A | Closed | FCRE1198 | 2022-08-05 14:43 | 2022-08-07 21:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-*short reserves: per guides a variance may be allowed
but never less than 3 months less than program requirements. Short .52
reserves - Due Diligence
Vendor-08/08/2022 Ready for Review-The 1008 provided in the initial shipping package page 737 denotes the following "**short reserves: per guides a variance may be allowed but never less than 3 months less than program requirements. Short .52 reserves due to revolving debt to be paid off and additional funds needed for prepaid interest at closing. Compensating Factors, Borrower's mortgage payment history goes back 40 mnths with 0x30 and residual income of xxx . Borrower also sold departing residence.**". The variance is permissible as per section 11.4 of the guidelines, last bullet point which denotes the following "A variance may be allowed but never less than 3 months less than program requirements with underwriter justification and compensating factors". - Buyer-08/05/2022 Open- - Due Diligence Vendor-08/05/2022 |
Resolved-*short reserves: per guides a variance may be allowed
but never less than 3 months less than program requirements. Short .52
reserves - Due Diligence
Vendor-08/08/2022 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.84 Years | 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 | 587000 | |||||
| 6000083508 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2022-08-05 15:06 | 2022-08-05 15:06 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing ****Privacy Fact Sheet names non-settlement provider affiliate as defined by client; SSPL does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-08/05/2022 | Acknowledged-Required Affiliated Business Disclosure Missing
****Privacy Fact Sheet names non-settlement provider affiliate as defined by
client; SSPL does not reflect that a referral was made to an affiliate. Due
to these items, lender opted not to provide Affiliated Business Disclosure. -
Due Diligence Vendor-08/05/2022 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.84 Years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | 587090 | |||||
| 4000093282 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000093277 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-10-20 01:51 | 2026-04-17 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/29/2025 Ready for Review-Fraud Report - Due Diligence Vendor-10/28/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/20/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/29/2025 |
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 - 16.77 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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 55% 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 - 16.76 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 | 5942775 | ||||
| 4000093277 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-10-19 23:45 | 2025-11-06 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence
Vendor-11/06/2025 Ready for Review-Final Title - Due Diligence Vendor-11/06/2025 Open-Title Document is missing - Due Diligence Vendor-10/20/2025 |
Resolved-Title Document is fully Present - Due Diligence
Vendor-11/06/2025 |
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 - 16.77 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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 55% 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 - 16.76 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 | 5942373 | ||||
| 4000096725 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000097192 | 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 | ||||||||||||||||||||
| 4000096812 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2025-11-07 05:32 | 2025-11-10 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-11/10/2025 Ready for Review-Addendum - Due Diligence Vendor-11/10/2025 Open-Purchase Contract is Partial copy. Provide an addendum to the contract reflecting an accepted and final sales purchase by all parties in the amount of xxx . Addendum must be executed and dated by all applicable parties to the contract - Due Diligence Vendor-11/07/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-11/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 27.67 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6167018 | ||||
| 4000101149 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104529 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-23 07:33 | 2026-01-07 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 Ready for Review-Fraud Report - Due Diligence Vendor-01/06/2026 Open-Missing Third Party Fraud Report . - Due Diligence Vendor-12/23/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 30.04 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 30.04 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 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6756841 | ||||
| 4000108883 | D | A | D | A | C | A | A | A | Closed | FCRE1344 | 2026-01-16 12:12 | 2026-01-29 14:45 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-12 Month Business bank statements provided. - Due
Diligence Vendor-01/29/2026 Ready for Review-Bank Statements - Due Diligence Vendor-01/29/2026 Open-BUSINESS BANK STATEMENT PROVIDED LESS 12 MONTHS - Due Diligence Vendor-01/16/2026 |
Resolved-12 Month Business bank statements provided. - Due
Diligence Vendor-01/29/2026 |
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 740 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 21.11% Is Less Than The Guideline Maximum Of 55% 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 | 7140789 | ||||
| 4000108883 | D | A | D | A | C | A | A | A | Closed | FCRE2109 | 2026-01-16 11:42 | 2026-01-29 14:43 | 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-01/29/2026 Ready for Review-Income Calculation Worksheet - Due Diligence Vendor-01/29/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/16/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-01/29/2026 |
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 740 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 21.11% Is Less Than The Guideline Maximum Of 55% 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 | 7140213 | ||||
| 4000110007 | 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 | ||||||||||||||||||||
| 4000113581 | 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 | ||||||||||||||||||||
| 4000119946 | 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 | ||||||||||||||||||||
| 4000112496 | 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 | ||||||||||||||||||||
| 4000119337 | 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 | ||||||||||||||||||||
| 4000118706 | 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 | ||||||||||||||||||||
| 4000118996 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000119500 | 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 | ||||||||||||||||||||
| 4000121361 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121502 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120721 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 4000122199 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-14 16:25 | 2026-04-16 07:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/16/2026 Ready for Review-Sorry for the confusion. Please see attached. Thank you! - Due Diligence Vendor-04/16/2026 Counter-Documentation provided is unrelated to the finding - Due Diligence Vendor-04/15/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-04/15/2026 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-04/14/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 64.38% Is Below The Guideline Maximum Of 80%
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% 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 | Second Home | Purchase | NA | N/A | N/A | 8661293 | ||||
| 4000124809 | 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 | ||||||||||||||||||||
| 4000120075 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-05-04 01:01 | 2026-05-19 07:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/19/2026 Ready for Review-Mortgage 21 Pages - Due Diligence Vendor-05/18/2026 Counter-Please resend mortgage or deed of trust only the deed and cover page came through. - Due Diligence Vendor-05/18/2026 Ready for Review-Deed & Cover Page - Due Diligence Vendor-05/15/2026 Ready for Review-Deed - Due Diligence Vendor-05/15/2026 Open-The Deed of Trust is Missing Deed Of Trust is Missing with the Subject Property Address - Due Diligence Vendor-05/04/2026 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 65% 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 228.53 Are Greater Than The Guideline Minimum Of 3 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 | 9015382 | ||||
| 4000129592 | 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 | ||||||||||||||||||||
| 4000116772 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-05-13 12:00 | 2026-07-08 15:00 | Cured | 2 - Non-Material | C | B | Compliance | Right to Rescind | TILA Right of Rescission Test | Cured-**Re-opened rescission period has expired. - Due
Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-07/08/2026 Ready for Review-rescission was re-opened and 3 day has expired XX please clear - Due Diligence Vendor-07/07/2026 Counter-**Received copies of new NORTC sent to borrower. Rescission period re-opened, per tracking information the documents were delivered xxx . Finding can be resolved after the new rescission period expires 3 business days from the day borrower received package. - Due Diligence Vendor-07/01/2026 Ready for Review-rescission was reopened -see attached was included with cure docs - Due Diligence Vendor-06/30/2026 Counter-**Cure packages provided resolve finance charge fails. However, the Right of Rescission test fail remains open. Lender to confirm if they will be re-opening the rescission period and provide the borrower and non-borrower with a new NORTC. - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached - Due Diligence Vendor-06/26/2026 Ready for Review-cure docs attached - ck to follow - Due Diligence Vendor-06/25/2026 Counter-The provided Right of Rescission waiver request is insufficient under 12 CFR § 1026.23(e). The borrower's waiver request and letter of explanation (LOE) are dated prior to loan consummation. A consumer cannot waive a right before it is formally established at closing. Additionally, the file lacks a written waiver request or LOE from the Non-Borrowing Spouse (NBS), who also retains a right of rescission. Finally, independent, third-party documentary evidence validating a bona fide personal financial emergency has not been provided - Due Diligence Vendor-06/23/2026 Ready for Review-The husband is not on the loan, and this is not an agency loan. Please advise. - Due Diligence Vendor-06/22/2026 Counter-**The written statement was signed by the borrower only. Both needed to provide a waiver or if only one written waiver then both needed sign the same statement. - Due Diligence Vendor-06/10/2026 Ready for Review-Rescission was waived -funding was not after rescission period - Due Diligence Vendor-06/08/2026 Counter-written statement describing the emergency and clearly stating xxx waived right to rescind, has been provided. However, written (not pre-printed) statement dated and signed by xxx , has not been provided. - Due Diligence Vendor-06/02/2026 Ready for Review-xxx waived rescission per customer's request - Due Diligence Vendor-05/29/2026 Counter-***Disclosure provided does not resolve the finding. The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/21/2026 Ready for Review-cd attached - Due Diligence Vendor-05/19/2026 Open-******* Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/13/2026 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-05/13/2026 |
Cured-**Re-opened rescission period has expired. - Due
Diligence Vendor-07/08/2026 |
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 - 7.16 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 - 16.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.89 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 38.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 9177294 | ||||
| 4000116772 | C | B | A | A | C | B | A | A | Closed | finding-651 | 2026-05-13 12:00 | 2026-07-08 14:54 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured- - Due Diligence Vendor-07/08/2026 Cured- - Due Diligence Vendor-07/08/2026 Cured-Received cure package - Due Diligence Vendor-06/29/2026 Resolved-Received cure package - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached - Due Diligence Vendor-06/26/2026 Ready for Review-cure docs attached- xxx to follow - Due Diligence Vendor-06/25/2026 Counter-***Received additional copy of the Initial CD. This document does not resolve the findings. The loan failed the Finance Charge test because the disclosed Finance Charge amount in the Final CD is understated by xxx . Lender to provide a copy of the final compliance testing at closing for review. - Due Diligence Vendor-06/19/2026 Ready for Review-see attached - Due Diligence Vendor-06/18/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx . Fees included in testing are: Loan Origination Fee paid by Borrower: xxx Underwriting Fee paid by Borrower: xxx Points - Loan Discount Fee paid by Borrower: xxx Settlement or Closing Fee paid by Borrower: xxx Prepaid Interest paid by Borrower: xxx Total Fees xxx . - Due Diligence Vendor-05/13/2026 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-05/13/2026 |
Cured-Received cure package - Due Diligence Vendor-06/29/2026
Resolved-Received cure package - Due Diligence Vendor-06/29/2026 |
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 - 7.16 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 - 16.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.89 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 38.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 9177295 | ||||
| 4000116772 | C | B | A | A | C | B | A | A | Closed | finding-2504 | 2026-05-13 12:00 | 2026-07-08 14:54 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured- - Due Diligence Vendor-07/08/2026 Cured- - Due Diligence Vendor-07/08/2026 Cured-Received cure package - Due Diligence Vendor-06/29/2026 Resolved-Received cure package - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-see attached - Due Diligence Vendor-06/26/2026 Ready for Review-cure documents attached- xxx to follow - Due Diligence Vendor-06/25/2026 Counter-***Received additional copy of the Initial CD. This document does not resolve the findings. The loan failed the Finance Charge test because the disclosed Finance Charge amount in the Final CD is understated by xxx . Lender to provide a copy of the final compliance testing at closing for review. - Due Diligence Vendor-06/19/2026 Ready for Review-see attached - Due Diligence Vendor-06/18/2026 Open-*** Compliance review indicates a Finance Charge variance of xxx . - Due Diligence Vendor-05/13/2026 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-05/13/2026 |
Cured-Received cure package - Due Diligence Vendor-06/29/2026
Resolved-Received cure package - Due Diligence Vendor-06/29/2026 |
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 - 7.16 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 - 16.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.89 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 38.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 9177304 | ||||
| 4000127495 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-05-21 05:28 | 2026-05-28 12:04 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/28/2026 Ready for Review-1008 Final - Due Diligence Vendor-05/27/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/21/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 38.82 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 14.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9317946 | ||||
| 4000128690 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-05-26 10:22 | 2026-05-27 06:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-LLC docs provided - Due Diligence Vendor-05/27/2026
Ready for Review-llc docs - Due Diligence Vendor-05/26/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing entity information for xxx - Due Diligence Vendor-05/26/2026 |
Resolved-LLC docs provided - Due Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9370689 | ||||
| 4000128690 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-05-26 03:21 | 2026-05-27 06:24 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/27/2026 Ready for Review-1008 - Due Diligence Vendor-05/26/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-05/26/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9364136 | ||||
| 4000128690 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-05-26 02:18 | 2026-05-27 06:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-05/27/2026 Ready for Review-contract - Due Diligence Vendor-05/26/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-05/26/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9363637 | ||||
| 4000128690 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-05-26 02:44 | 2026-05-27 06:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/27/2026 Ready for Review-bank statement - Due Diligence Vendor-05/26/2026 Open-Asset 1 Missing Missing at least 30 days bank statements for xxx as seen on 1003. - Due Diligence Vendor-05/26/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9363865 | ||||
| 4000128625 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-04 16:56 | 2026-07-01 06:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-added back xxx
deposit and - xxx on account
xxx which provides for sufficient
reserves. - Due Diligence
Vendor-07/01/2026 Ready for Review-The Funds to Close of xxx was disbursed from the xxx account. The XXX account was not used for closing and maintained an available balance of xxx as of xxx . Therefore, the xxxxxx funds remained available after closing and should be considered toward the reserve requirement. Could you please review the reserve calculation accordingly and clear the condition. - Due Diligence Vendor-07/01/2026 Counter-As seen on asset screen and documents provided xxx had xxx as of xxx had xxx , XXX as of xxx had xxx . Of this borrower needed xxx for closing, leaving xxx post close which is insufficient of having 4 months reserves by xxx . Please provide additional information if there are others account or updated balances prior to closing OR lender exception for insufficient reserves. - Due Diligence Vendor-06/24/2026 Ready for Review-I believe the reserve calculation may not have included all verified assets available prior to the closing date of xxx . Although the submitted statements contain transactions after closing, the funds used for reserve qualification were available prior to closing and should be considered in the reserve calculation. For example, the XXX savings account reflected a balance of approximately xxx prior to closing. Additionally, other verified asset accounts contained sufficient funds prior to the closing date. When the balances available as of xxx are included, the borrower appears to have sufficient eligible assets to satisfy the required reserve requirement. Please re-review the attached asset documentation and reserve calculation and advise if any specific account or balance was excluded from your analysis. - Due Diligence Vendor-06/24/2026 Counter-These statements are also after the closing date. Please provide docs prior to closing xxx OR lender exception for < sufficient reserves. - Due Diligence Vendor-06/23/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/23/2026 Counter-Loan closed xxx - The available assets are required to be Prior to closing/Disbursement date. Assets or income acquired after closing are not to be considered. - Due Diligence Vendor-06/18/2026 Ready for Review-The asset statements provided reflect the most recent available documentation and verify sufficient funds. Please clarify why the post-closing statement cannot be considered, as the verified assets demonstrate the borrower’s available funds. If a statement specifically reflecting the closing date is required, please advise. - Due Diligence Vendor-06/18/2026 Counter-Loan closed xxx - The available assets are required to be Prior to closing/Disbursement date - The additional assets are from xxx (past closing) there are funds available dated xxx but is not enough to clear this condition - Due Diligence Vendor-06/17/2026 Ready for Review-Here is the additional asset to cover the reserves. Please review and clear the condition. - Due Diligence Vendor-06/15/2026 Counter-Reserves are short by -xxx / Audited Breakdown: The CTC per the Final CD xxx - Verified Assets xxx Which supports the Assets docs provided) - 4 months reserves require xxx - Funds left after Closing is xxx - reserves are short by -xxx - Due Diligence Vendor-06/08/2026 Ready for Review-The borrower has sufficient reserves. The combined balance of xxx , along with xxx . Based on these available assets, the reserve requirement appears to be satisfied. Please review and waive the condition. - Due Diligence Vendor-06/08/2026 Counter-The CTC per the Final CD xxx - Verified Assets xxx - 4 months reserves require xxx - Funds left after Closing xxx - reserves are short by -xxx - Due Diligence Vendor-06/05/2026 Ready for Review-The borrower has sufficient reserves. The combined balance of xxx , along with xxx , totals xxx . Based on these available assets, the reserve requirement appears to be satisfied. I kindly request that this condition be waived. - Due Diligence Vendor-06/05/2026 Open-Audited Reserves of 2.26 are less than Guideline Required Reserves of 4 Difference in why lender had 5 months on 1008 vs TPR xxx is the funds to close on the 1008 was xxx and final funds to close were xxx - Due Diligence Vendor-06/04/2026 |
Resolved-added back xxx deposit and - xxx on account xxx which provides for sufficient
reserves. - Due Diligence
Vendor-07/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 42.07% 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 - 35 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 0.05 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 | 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 | 9566210 | ||||
| 4000127330 | C | A | C | A | A | A | C | A | Closed | FVAL4036 | 2026-06-02 08:28 | 2026-07-15 10:50 | Resolved | 1 - Information | C | A | Property | Property Issue | Flip or Rapid Resale of Property | Resolved-2nd Full appraisal and CU/LCA scores provided - Due Diligence Vendor-07/15/2026 Ready for Review-2nd appsl w/ SSR's - Due Diligence Vendor-07/13/2026 Counter-Please provide 2nd appraisal due to flip sale OR please provide lender exception. (couldn't find any allowance in guidelines for documented or undocumented renovations) - Due Diligence Vendor-06/25/2026 Ready for Review-2nd rebuttal for 2nd appraisal - Due Diligence Vendor-06/25/2026 Counter-Document Uploaded. per Guidelines: A second appraisal is required, prior to closing, in the following circumstances: Greater than ten (10%) increase in sales price if seller acquired the property in the past ninety (90) days - Appraisal states subject seller purchased on xxx - Due Diligence Vendor-06/17/2026 Ready for Review-CDA - Due Diligence Vendor-06/16/2026 Open-Missing 2nd appraisal or lender exception not to obtain. Page 23 of guidelines says if within 90 days of previous sale 10% increase in sales price, a 2nd appraisal should be obtained or if 20% increase within 180 days. - Due Diligence Vendor-06/02/2026 |
Resolved-2nd Full appraisal and CU/LCA scores provided - Due Diligence Vendor-07/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9500657 | ||||
| 4000127330 | C | A | C | A | A | A | C | A | Closed | FCRE1253 | 2026-06-02 04:47 | 2026-06-17 13:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-06/17/2026 Ready for Review-tax calcs - Due Diligence Vendor-06/17/2026 Open-Missing Property Tax Cert Missing property tax cert or estimation of property taxes. Title shows prior taxes were zero with full homestead exemption. - Due Diligence Vendor-06/02/2026 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-06/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9494353 | ||||
| 4000130960 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126893 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130681 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131555 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-06-09 16:16 | 2026-07-08 09:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender exception for being short reserves by xxx . - Due Diligence Vendor-07/08/2026 Ready for Review-Hello Team, Please see exception request approval. Thank you :) - Due Diligence Vendor-07/07/2026 Open-Audited Reserves of 3.86 are less than Guideline Required Reserves of 4 Provide missing (.14) months in file total reserves shortage is xxx required to close is xxx (4 months) In file is xxx - Due Diligence Vendor-06/09/2026 |
Waived-Lender exception for being short reserves by xxx . - Due Diligence Vendor-07/08/2026 |
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 0.03 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 |
FICO xxx Housing history 0X30X12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9639702 | |||
| 4000131555 | C | B | C | B | A | A | A | A | Closed | FCRE1437 | 2026-06-10 07:30 | 2026-06-30 11:33 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Update doc provided showing in good standing. (not
dated, QC checked MD website and found same info but no date stamping seen. -
Due Diligence Vendor-06/30/2026 Ready for Review-The business was not in good standing due to a delayed update during the process. Please check the updated status. - Due Diligence Vendor-06/30/2026 Open-Income and Employment Do Not Meet Guidelines Document Uploaded. Provide clarification there is a document in file for B2 xxx stating B2 income for employer stating it is "Not in good standing" further documentation may be required upon review to complete underwrite. - Due Diligence Vendor-06/10/2026 |
Resolved-Update doc provided showing in good standing. (not
dated, QC checked MD website and found same info but no date stamping seen. -
Due Diligence Vendor-06/30/2026 |
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 0.03 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 |
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 | 9651599 | ||||
| 4000129330 | D | A | A | A | D | A | A | A | Closed | FCOM5454 | 2026-06-09 09:10 | 2026-06-10 08:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved-Signed Note provided
- Due Diligence Vendor-06/10/2026 Ready for Review-Executed Note - Due Diligence Vendor-06/09/2026 Open-Note is not executed - please provide signed copy of note by all parties - Due Diligence Vendor-06/09/2026 |
Resolved-Signed Note provided
- Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 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 | 9627410 | ||||
| 4000133666 | C | A | C | A | A | A | A | A | Closed | FCRE6389 | 2026-06-11 11:38 | 2026-07-16 12:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Credit score not provided | Resolved-updated credit report with all bureaus unfrozen - Due
Diligence Vendor-07/16/2026 Ready for Review-Updated Credit Report - Due Diligence Vendor-07/16/2026 Open-B2's XXX score is frozen. Provide updated credit report with all scores unfrozen. - Due Diligence Vendor-06/11/2026 |
Resolved-updated credit report with all bureaus unfrozen - Due
Diligence Vendor-07/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 70.25 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 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9691192 | ||||
| 4000131591 | 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 | ||||||||||||||||||||
| 4000128238 | 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 | ||||||||||||||||||||
| 4000129327 | B | A | A | A | B | A | A | A | Closed | FCOM1621 | 2026-06-16 02:34 | 2026-06-30 10:29 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved
**Received disclosure - Due Diligence Vendor-06/30/2026 Ready for Review-Please see borrower executed escrow account disclosure - Due Diligence Vendor-06/26/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-06/16/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved
**Received disclosure - Due Diligence Vendor-06/30/2026 |
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 - 25.44 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 0.17 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.74 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months 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 - 11.80 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 - 35.10 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.07% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.94% Is Less Than The Guideline Maximum Of 55% 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 | Second Home | Purchase | NA | N/A | N/A | 9758641 | ||||
| 4000130140 | C | B | C | B | C | A | A | A | Closed | FCOM4227 | 2026-06-16 10:23 | 2026-07-01 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/01/2026 Ready for Review-ICD with COC - Due Diligence Vendor-06/30/2026 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-06/16/2026 |
Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 47.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.8 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 | Second Home | Purchase | NA | N/A | N/A | 9766185 | ||||
| 4000130140 | C | B | C | B | C | A | A | A | Closed | FCOM1621 | 2026-06-16 10:21 | 2026-07-01 17:00 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due
Diligence Vendor-07/01/2026 Ready for Review-xxx - Due Diligence Vendor-06/30/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-06/16/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due
Diligence Vendor-07/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 47.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.8 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 | Second Home | Purchase | NA | N/A | N/A | 9766152 | ||||
| 4000130140 | C | B | C | B | C | A | A | A | Closed | FCRE2502 | 2026-06-16 00:58 | 2026-06-30 14:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Transaction is not arm's length | Waived-Lender exception for non-arms length transaction for 2nd
home - Due Diligence Vendor-06/30/2026 Ready for Review-COC for non-arms - Due Diligence Vendor-06/30/2026 Open-Non-Arm’s Length Transaction non-armslength transaction between co-trustees of an estate.- Per guidelines non arms length transaction are Primary transaction only - Due Diligence Vendor-06/17/2026 |
Waived-Lender exception for non-arms length transaction for 2nd
home - Due Diligence Vendor-06/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 47.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
FICO 20 pts higher than min 60 mos reserves residual income > 10% 0x30x46 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9757985 | |||
| 4000130140 | C | B | C | B | C | A | A | A | Closed | FCRE1248 | 2026-06-16 08:10 | 2026-06-16 08:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived- NON-ARMS LENGTH TRANSACTION FOR 2ND HOME - Due Diligence Vendor-06/16/2026 |
Waived- NON-ARMS LENGTH TRANSACTION FOR 2ND HOME - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 47.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
FICO 20 PTS HIGHER THAN MIN, 60 MOS RESERVES, RESIDUAL INCOME> 10%, 0x30x46 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9763986 | ||||
| 4000128488 | C | A | B | A | C | A | A | A | Closed | FCOM4227 | 2026-06-17 05:02 | 2026-07-06 11:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 Ready for Review-Disclosures with tracking history - Due Diligence Vendor-07/02/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 Open-Initial CD is Missing. - Due Diligence Vendor-06/17/2026 |
Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 32.97% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.79 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 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More 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 - 6.43 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 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 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9785055 | ||||
| 4000128488 | C | A | B | A | C | A | A | A | Closed | finding-3532 | 2026-06-18 10:19 | 2026-07-06 11:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 Ready for Review-Disclosures with tracking history - Due Diligence Vendor-07/02/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 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:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday 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 Sunday 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 Sunday 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. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 32.97% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.79 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 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More 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 - 6.43 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 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 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9818039 | ||||
| 4000128488 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2026-06-16 05:55 | 2026-07-06 09:41 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/06/2026 Ready for Review-1008 - Due Diligence Vendor-07/02/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/16/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 32.97% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.79 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 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More 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 - 6.43 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 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 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9762134 | ||||
| 4000132056 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-18 08:00 | 2026-07-07 08:40 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-****Received ICD - Due Diligence Vendor-07/07/2026 Ready for Review-Disclosure History Memo; Audit Log; COC; CD 06/01/2026 - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete 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-06/18/2026 |
Resolved-****Received ICD - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.35% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.44 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 |
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 | 9814669 | ||||
| 4000132056 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-17 12:44 | 2026-07-07 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Disclosure History Memo; Audit Log; COC; CD xxx - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 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). CHANGE OF CIRCUMSTANCE IS NOT PROVIDED FOR FINAL CD xxx . - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.35% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.44 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 |
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 | 9794742 | ||||
| 4000132056 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-17 12:44 | 2026-07-07 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Disclosure History Memo; Audit Log; COC; CD xxx - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/17/2026 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-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.35% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.44 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 |
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 | 9794743 | ||||
| 4000132056 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-17 12:44 | 2026-07-07 08:38 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Disclosure History Memo; Audit Log; COC; CD xxx - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/17/2026 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-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.35% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.44 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 |
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 | 9794744 | ||||
| 4000132056 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-18 15:36 | 2026-07-07 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Disclosure History Memo; Audit Log; COC; CD xxx - Due Diligence Vendor-07/06/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/18/2026 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:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday 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 Sunday 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 Sunday 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. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.35% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.44 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 |
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 | 9828157 | ||||
| 4000130770 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132901 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-06-23 10:12 | 2026-06-24 09:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Ready for Review-Please see the attached updated final 1003. b1/b2 both living rent free. - Due Diligence Vendor-06/23/2026 Open-Document Uploaded. - Due Diligence Vendor-06/23/2026 Open-The Final 1003 is Incomplete 2 part condition - B1 1003 states renting current residence however missing the rental amount & B2 is missing 2 yrs of Employment history - 1003 states start date at current Job is xxx - Due Diligence Vendor-06/23/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-06/24/2026 |
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 40.92% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.34% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.04 |
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 | 9888064 | ||||
| 4000131009 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-19 06:38 | 2026-07-07 08:41 | 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-07/07/2026 Ready for Review-HOI with corrected Effective dates - Due Diligence Vendor-07/06/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provided existing policy for subject property effective xxx to be marked acceptable. Policy in file starts after disbursement date. - Due Diligence Vendor-06/19/2026 |
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-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 51.35% Is Below The Guideline Maximum Of 80%
By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 478.47 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9839392 | ||||
| 4000131727 | 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 | ||||||||||||||||||||
| 4000134509 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-06-23 02:58 | 2026-07-07 08:46 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-07/07/2026 Ready for Review-Attached xxx Report dated xxx which is within 10-days of the CD disbursed xxx - Due Diligence Vendor-07/06/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/23/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 17.74% Is Less Than The Guideline
Maximum Of 55% 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 - 20.67 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 740 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 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 335.46 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months 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 - 32.32 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9880810 | ||||
| 4000134509 | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2026-06-23 02:58 | 2026-07-07 08:46 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-07/07/2026 Ready for Review-xxx ; W/I 10-days of closing date - Due Diligence Vendor-07/06/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/23/2026 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 17.74% Is Less Than The Guideline
Maximum Of 55% 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 - 20.67 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 740 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 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 335.46 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months 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 - 32.32 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9880811 | ||||
| 4000133809 | C | A | C | A | C | A | A | A | Closed | FCOM1291 | 2026-06-24 18:51 | 2026-07-01 16:55 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved- H9 ROR form executed at consummation, has been
provided - Due Diligence Vendor-07/01/2026 Ready for Review-Please see the attached NRTC H-9 form. Thank you! - Due Diligence Vendor-06/30/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-06/24/2026 |
Resolved- H9 ROR form executed at consummation, has been
provided - Due Diligence Vendor-07/01/2026 |
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 0.21 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.06% 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 79.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.63% Is Below The Guideline Maximum Of 80% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9924596 | ||||
| 4000133809 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-06-23 22:51 | 2026-06-26 04:00 | 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-06/26/2026 Ready for Review-Please see the attached original and renewed EOI that the coverage is continuous. Thank you! - Due Diligence Vendor-06/26/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx This is a Renewal****Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/24/2026 |
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-06/26/2026 |
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 0.21 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.06% 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 79.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.63% Is Below The Guideline Maximum Of 80% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9905127 | ||||
| 4000134799 | 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 | ||||||||||||||||||||
| 4000135813 | 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 | ||||||||||||||||||||
| 4000134944 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131908 | C | A | A | A | C | A | A | A | Closed | FCOM1252 | 2026-06-24 07:09 | 2026-07-08 15:24 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received ILE - Due Diligence Vendor-07/08/2026 Ready for Review-ILE with Audit Log - Due Diligence Vendor-07/07/2026 Open-Initial LE missing. - Due Diligence Vendor-06/24/2026 |
Resolved-Received ILE - Due Diligence Vendor-07/08/2026 |
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 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.97 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 43.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% 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 |
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 | 9909527 | ||||
| 4000131908 | C | A | A | A | C | A | A | A | Closed | finding-3367 | 2026-07-08 15:10 | 2026-07-08 15:21 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-**Received ILE and disclosure tracking information for
all initial disclosures - Due Diligence Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Memorial Day (xxx )PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 |
Resolved-**Received ILE and disclosure tracking information for
all initial disclosures - Due Diligence Vendor-07/08/2026 |
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 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.97 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 43.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% 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 |
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 | 10129674 | |||||
| 4000134649 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-23 19:07 | 2026-06-25 16:14 | 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-06/25/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close of xxx , borrower has total liquid assets available of xxx , please waive this condition as borrower has enough funds to close, thank you. - Due Diligence Vendor-06/24/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Document sufficient funds to close. Total liquid assets available for closing are xxx , which is less than the required cash to close of xxx . Additional conditions may apply upon review. - Due Diligence Vendor-06/23/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-06/25/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.45% Is Below The Guideline Maximum Of 80% 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 |
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 | 9902231 | ||||
| 4000133866 | 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 | ||||||||||||||||||||
| 4000131415 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133634 | 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 | ||||||||||||||||||||
| 4000134009 | 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 | ||||||||||||||||||||
| 4000131383 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2026-06-24 15:30 | 2026-07-09 11:29 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-PCCD provided. - Due Diligence Vendor-06/26/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/26/2026 Ready for Review-Please find attached xxx and post CD - Due Diligence Vendor-06/26/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . - Due Diligence Vendor-06/24/2026 |
Resolved-PCCD provided. - Due Diligence Vendor-06/26/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 18.35 Are Greater Than The Guideline
Minimum Of 0 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 0.07 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 - 14.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.95% Is Less Than The Guideline Maximum Of 50% 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 700 By Twenty (20) or More Points |
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 | 9921246 | ||||
| 4000131383 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-06-26 08:04 | 2026-07-07 11:18 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-**Received acceptable executed xxx Per Diem Disclosure - Due Diligence
Vendor-07/07/2026 Ready for Review-please find attached. - Due Diligence Vendor-07/06/2026 Counter-**Received the executed copy of the xxx Per Diem disclosure with the amount of additional per diem interest the borrower agreed to pay is less than what was collected. - Due Diligence Vendor-07/01/2026 Ready for Review-Please find attached. - Due Diligence Vendor-06/28/2026 Counter-***Received PCCD and FSS. Loan closed on xxx and disbursed on xxx . PCCD indicates Prepaid interest collected from xxx . Lender to provide copy of executed xxx Per Diem Disclosure provided at closing for review. - Due Diligence Vendor-06/26/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx ) exceeds the per diem interest charge or credit threshold (xxx ).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Resolved-**Received acceptable executed xxx Per Diem Disclosure - Due Diligence
Vendor-07/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 18.35 Are Greater Than The Guideline
Minimum Of 0 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 0.07 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 - 14.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.95% Is Less Than The Guideline Maximum Of 50% 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 700 By Twenty (20) or More Points |
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 | 9953773 | ||||
| 4000126245 | 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 | ||||||||||||||||||||
| 4000133618 | 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 | ||||||||||||||||||||
| 4000136040 | 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 | ||||||||||||||||||||
| 4000135441 | 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 | ||||||||||||||||||||
| 4000136042 | C | A | C | A | A | A | A | A | Closed | FCRE1168 | 2026-06-24 02:42 | 2026-06-29 09:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject
Lien or replacement cost value of xxx - Due Diligence Vendor-06/29/2026 Ready for Review-Hello Team, please see attached the XXX Master Insurance. Thank you - Due Diligence Vendor-06/26/2026 Counter-Policy provided again is the Flood coverage of xxx . The hazard policy only provides xxx in coverage. Please provide evidence of sufficient hazard coverage, perhaps xxx has a master HOA policy similar to a condo. - Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached EOI showing the highlighted xxx in coverage meeting the minimum required coverage amount; please waive this condition, thank you. - Due Diligence Vendor-06/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/24/2026 |
Resolved-Hazard Insurance Coverage Amount of xxx is equal to or greater than the Subject
Lien or replacement cost value of xxx
- Due Diligence Vendor-06/29/2026 |
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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.17% Is Below The Guideline Maximum Of 80% 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 |
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 | 9906024 | ||||
| 4000135212 | C | A | C | A | A | A | A | A | Closed | FCRE1183 | 2026-06-29 10:21 | 2026-06-29 13:11 | 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-06/29/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/29/2026 Open-1008/Underwriting Summary Partially Provided Audited LTV is 78.75% vs Lenders 70% LTV - this is due to the Lender using the Appraised Value of xxx however the Appraised value is xxx - Missing Updated 1008 with correct LTV and appraised value - DSCR calculations is 1.142 - Due Diligence Vendor-06/29/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-06/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Validated 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 - Validated Months Reserves Of 14.13 Are Greater Than The Guideline Minimum Of 3 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 | 9978896 | ||||
| 4000135212 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-06-24 17:20 | 2026-06-29 13:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 78.75% is less than or equal to
Guideline LTV of 80% - Due Diligence Vendor-06/29/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/29/2026 Resolved-Audited LTV of 78.75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/29/2026 Ready for Review-Appraisal denotes tenant occupied. Its currently rented at xxx and we have lease, that will bring the LTV to 75% , and XXX will allow to 75% calling it xxx . Please review and advise , Also please see attached showing That LTV and FICO score fit into xxx DSCR matrix below per xxx - Due Diligence Vendor-06/26/2026 Ready for Review-Appraisal denotes tenant occupied. Its currently rented at xxx and we have lease, that will bring the LTV to 75% , and xxx will allow to 75% calling it xxx . Please review and advise - Due Diligence Vendor-06/26/2026 Counter-Please advise when approved. - Due Diligence Vendor-06/25/2026 Ready for Review-Exception has been submitted - Due Diligence Vendor-06/25/2026 Open-Audited LTV of 78.75% exceeds Guideline LTV of 75% The lender's Form 1008 reflects an appraised value of xxx and an LTV of 70%. However, the appraisal report contained in the loan file supports an appraised value of xxx . Based on the documented appraised value, the recalculated LTV is 78.75%, which exceeds the maximum guideline LTV of 75%. Loan does not meet guideline requirements as documented. - Due Diligence Vendor-06/25/2026 |
Resolved-Audited LTV of 78.75% is less than or equal to
Guideline LTV of 80% - Due Diligence Vendor-06/29/2026 Resolved-Audited LTV of 78.75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Validated 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 - Validated Months Reserves Of 14.13 Are Greater Than The Guideline Minimum Of 3 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 | 9923899 | ||||
| 4000136043 | 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 | ||||||||||||||||||||
| 4000135833 | D | A | C | A | D | A | A | A | Closed | FCRE1167 | 2026-06-24 09:22 | 2026-07-01 08:27 | 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-07/01/2026 Ready for Review-Please see email from the insurance agent confirming the replacement cost coverage for the homeowners insurance policy. - Due Diligence Vendor-06/30/2026 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 nadequate 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-06/24/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-07/01/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9911356 | |||||
| 4000135833 | D | A | C | A | D | A | A | A | Closed | FCOM1233 | 2026-06-24 08:34 | 2026-07-01 08:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/01/2026 Ready for Review-The final 1003 was included in the delivered closing package on pages 146-157. Also, page 152 reflects the borrower's wet signature/date. Please confirm if you received these documents. - Due Diligence Vendor-06/30/2026 Open-The Final 1003 is Incomplete ( missing signature) - Due Diligence Vendor-06/24/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/01/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9910623 | |||||
| 4000133987 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135467 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-25 12:26 | 2026-07-01 13:19 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/01/2026 Ready for Review-Please see the attached system image reflecting application date xxx . Thank you! - Due Diligence Vendor-06/28/2026 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-06/25/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/01/2026 |
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 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.25% Is Below The Guideline Maximum Of 80% 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 |
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 | 9939316 | ||||
| 4000136149 | C | A | C | A | A | A | C | A | Closed | FPRO9736 | 2026-06-25 13:26 | 2026-07-08 08:25 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Satisfactory newer Desk review provided. - Due Diligence Vendor-07/08/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/07/2026 Counter-The Confidence/FSD score is within guidelines however the Value of the AVM is where the issue is, The guides state the AVM value must be no more than 10% below the appraised value which in this case is -13.03% exceeding the 10% tolerance - Due Diligence Vendor-07/01/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/01/2026 Counter-Per Guidelines: H. Appraisal Review Requirement - AVM value must be no more than 10% below the appraised value. The AVM provided in the Loan file is -13.03% -Provide 3rd party valuation that supports the primary appraised value. - Due Diligence Vendor-06/29/2026 Ready for Review-Hello team, as per our guidelines, clear AVM is accepted at 87%, and this file's AVM is at 88%, please clear this condition, thank you. - Due Diligence Vendor-06/26/2026 Open-AVM provided is not within the 10% tolerance to the primary appraisal (actual variance is -13.03%). Provide 3rd party valuation that supports the primary appraised value. - Due Diligence Vendor-06/25/2026 |
Resolved-Satisfactory newer Desk review provided. - Due Diligence Vendor-07/08/2026 |
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 0.02 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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.82 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.99% 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 |
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 | 9940337 | ||||
| 4000136149 | C | A | C | A | A | A | C | A | Closed | FCRE1167 | 2026-06-25 02:15 | 2026-06-29 08:04 | 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-06/29/2026 Ready for Review-Hello team, please see attached RCE and EOI showing replacement cost of xxx and current insurance coverage is xxx , please waive this condition, thank you. - Due Diligence Vendor-06/26/2026 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 Evidence hazard insurance coverage of at least xxx or a Replacement Cost Estimator supporting the current coverage. The file reflects hazard insurance coverage of xxx , which is below the minimum required coverage for the subject property. A Replacement Cost Estimator was not included. This impacts collateral protection and program eligibility. Additional conditions may apply upon review. - Due Diligence Vendor-06/25/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-06/29/2026 |
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 0.02 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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.82 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.99% 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 |
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 | 9928676 | ||||
| 4000129084 | C | A | C | A | A | A | A | A | Closed | FCRE1294 | 2026-06-25 07:31 | 2026-07-08 10:30 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-07/08/2026 Ready for Review-UW LOE and new 1008 - Due Diligence Vendor-07/08/2026 Open-Income 3 Months Income Verified is Missing Income documents to support xxx per month retirement are missing for B2. - Due Diligence Vendor-06/25/2026 |
Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-07/08/2026 |
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 0.13 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 - 24 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.58% Is Less Than The Guideline Maximum Of 55% 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 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9932190 | ||||
| 4000128853 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-06-25 01:27 | 2026-07-07 15:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Satisfactory HOA questionnaire provided. - Due Diligence Vendor-07/07/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/07/2026 Ready for Review-Questionnaire - Due Diligence Vendor-07/07/2026 Open-HOA Questionnaire Document status is Missing. Provide missing Investor’s Condominium Project Questionnaire- Limited Review, or similar xxx Condominium Project Certification or similar certification must be provided with the loan package on all projects. - Due Diligence Vendor-06/25/2026 |
Resolved-Satisfactory HOA questionnaire provided. - Due Diligence Vendor-07/07/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/07/2026 |
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 0.07 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 - 27.47 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 - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 494.61 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 34% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% 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 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 9928338 | ||||
| 4000136148 | D | A | D | A | C | A | A | A | Closed | FCRE1467 | 2026-06-25 02:36 | 2026-06-29 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached updated final 1003 reflecting that assets have been removed, thank you. - Due Diligence Vendor-06/25/2026 Open-Asset 1 Missing - xxx iao xxx - Missing - Due Diligence Vendor-06/25/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/26/2026 |
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 -
18.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.73% Is Below The Guideline Maximum Of 80% 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 |
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 | 9928821 | ||||
| 4000136148 | D | A | D | A | C | A | A | A | Closed | FCRE1468 | 2026-06-25 02:36 | 2026-06-29 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/26/2026 Ready for Review-Hello team, please see attached updated final 1003 reflecting that assets have been removed, thank you. - Due Diligence Vendor-06/25/2026 Open-Asset 2 Missing - xxx iao xxx - missing - Due Diligence Vendor-06/25/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/26/2026 |
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 -
18.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.73% Is Below The Guideline Maximum Of 80% 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 |
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 | 9928822 | ||||
| 4000136148 | D | A | D | A | C | A | A | A | Closed | FCRE7000 | 2026-06-26 04:51 | 2026-06-29 10:23 | 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-06/29/2026 Ready for Review-Hi team, please let us know if this attachment works, thank you. - Due Diligence Vendor-06/26/2026 Counter-Unable to view attachment, please reupload - Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement highlighting that cash to close is xxx to the borrower reflecting no cash needed, please waive this condition, thank you. - Due Diligence Vendor-06/26/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . After removing the 2 XXX accounts, their is insufficient funds to close or provide PCCD showing no cash needed. - Due Diligence Vendor-06/26/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-06/29/2026 |
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 -
18.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.73% Is Below The Guideline Maximum Of 80% 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 |
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 | 9950512 | ||||
| 4000136148 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-06-25 08:33 | 2026-06-29 09:48 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, thank you. - Due Diligence Vendor-06/25/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ****The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/29/2026 |
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 -
18.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.73% Is Below The Guideline Maximum Of 80% 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 |
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 | 9933124 | ||||
| 4000135210 | 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 | ||||||||||||||||||||
| 4000133505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134842 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-25 03:17 | 2026-06-26 13:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.15 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting that borrower receives a refund of xxx , along with verified assets of xxx . P&I of xxx for 6 months = xxx , borrower has the required 6 months reserve, please waive this condition, thank you. - Due Diligence Vendor-06/26/2026 Open-Audited Reserves of 5.76 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/25/2026 |
Resolved-Audited Reserves of 7.15 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-06/26/2026 |
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 0.04 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.84% Is Below The Guideline Maximum Of 80% 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9929116 | ||||
| 4000132106 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-06-25 15:47 | 2026-06-30 08:17 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Buyer-06/29/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/25/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-06/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 36.21% Is Less Than The Guideline
Maximum Of 55% 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.62 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 | 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 | 9943146 | ||||
| 4000132106 | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2026-06-25 15:47 | 2026-06-30 08:17 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Buyer-06/29/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/25/2026 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-06/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 36.21% Is Less Than The Guideline
Maximum Of 55% 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.62 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 | 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 | 9943147 | ||||
| 4000134581 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-29 10:41 | 2026-06-30 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Doc page provided - Due Diligence Vendor-06/30/2026
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Buyer-06/30/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. The HOI Policy provided is missing the Policy # - POLICY NUMBER TBD - Due Diligence Vendor-06/29/2026 |
Resolved-Doc page provided - Due Diligence Vendor-06/30/2026
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 25.59 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 | 9979167 | ||||
| 4000134581 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-25 13:33 | 2026-06-30 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Buyer-06/27/2026 Open-Missing Hazard Insurance Policy(hazard document is missing) for the subject property - Due Diligence Vendor-06/25/2026 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 25.59 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 | 9940439 | ||||
| 4000132746 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-06-25 02:55 | 2026-07-06 10:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-statement s - Due Diligence Vendor-07/02/2026 Open-Audited Reserves of 5.38 are less than Guideline Required Reserves of 6 6 months reserves required in the amount of xxx . Cash out used for reserves; xxx shortage - Due Diligence Vendor-06/25/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 12.17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.36% 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 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9928965 | |||||
| 4000134337 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133448 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-29 13:29 | 2026-06-30 06:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-cleared fraud report provided - Due Diligence
Vendor-06/30/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/29/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/29/2026 |
Resolved-cleared fraud report provided - Due Diligence
Vendor-06/30/2026 |
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 0.03 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 - 20.87 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 - 19.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 374.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 80% 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 |
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 | 9982973 | ||||
| 4000135341 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-26 02:05 | 2026-07-06 19:51 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender exception for loan amount of xxx - Due Diligence Vendor-07/06/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/06/2026 Counter-Can you please send over the whole set of matrices/guides that this is related to? the most current we have are as of xxx - Due Diligence Vendor-06/30/2026 Ready for Review-Hello team, please see attached lender certification reflecting minimum loan amount guidelines, thank you. - Due Diligence Vendor-06/29/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Evidence loan eligibility for the audited loan amount of xxx . The audited loan amount is below the guideline minimum loan amount of xxx . This impacts program eligibility and loan salability. Additional conditions may apply upon review. - Due Diligence Vendor-06/26/2026 |
Waived-Lender exception for loan amount of xxx - Due Diligence Vendor-07/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | High FICO High reserves |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9949041 | |||
| 4000135341 | D | B | D | B | A | A | A | A | Closed | FCRE1204 | 2026-06-26 12:55 | 2026-06-29 09:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided - Due Diligence
Vendor-06/29/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, please waive this condition, thank you. - Due Diligence Vendor-06/26/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/26/2026 |
Resolved-Fraud report provided - Due Diligence
Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.34 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 | 9959268 | ||||
| 4000135341 | D | B | D | B | A | A | A | A | Closed | FCRE6737 | 2026-06-26 12:51 | 2026-06-29 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-1007 stating Market rents is xxx provided - Due Diligence Vendor-06/29/2026
Ready for Review-Hello team, please see attached rent schedule from appraisal report that lists rent at xxx , please waive this condition, thank you. - Due Diligence Vendor-06/26/2026 Open-Evidence a Letter of Explanation (LOE), per GL, addressing why no executed lease agreement was included for the tenant-occupied subject property. The appraisal identifies the property as tenant occupied; however, no lease agreement was included. If no lease exists, gross rental income will be based on Form 1007/1025. Additional conditions may apply upon review. - Due Diligence Vendor-06/26/2026 |
Resolved-1007 stating Market rents is xxx provided - Due Diligence
Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.34 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 | 9959164 | ||||
| 4000136377 | 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 | ||||||||||||||||||||
| 4000128114 | 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 | ||||||||||||||||||||
| 4000132273 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-06-26 01:58 | 2026-07-14 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-07/14/2026 Ready for Review-condo questionnaire - Due Diligence Vendor-07/13/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document is Missing. - Due Diligence Vendor-06/26/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-07/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum
By Six (6) Or More Months Months Reserves Of 13.67 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 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9948990 | ||||
| 4000134744 | 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 | ||||||||||||||||||||
| 4000135474 | 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 | ||||||||||||||||||||
| 4000135376 | 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 | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000133044 | 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 | ||||||||||||||||||||
| 4000131736 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135526 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-26 04:12 | 2026-06-29 12:05 | 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-06/29/2026 Ready for Review-Please see 1003 - Other assets (Net proceeds from Sale of xxx ) xxx & FSS. - Due Diligence Vendor-06/29/2026 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-06/26/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - 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 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 0.22 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 - 6.77 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% 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 | 9950316 | ||||
| 4000132436 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135360 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-26 13:55 | 2026-07-01 13:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/01/2026 Ready for Review-please find attached. - Due Diligence Vendor-06/30/2026 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-06/26/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/01/2026 |
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 - 5.21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.15% Is Below The Guideline Maximum Of 80% 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.1 Are Greater Than The Guideline Minimum Of 0 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 | Purchase | NA | N/A | N/A | 9960222 | ||||
| 4000134499 | 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 | ||||||||||||||||||||
| 4000131838 | 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 | ||||||||||||||||||||
| 4000132807 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132882 | D | B | D | B | A | A | A | A | Closed | FCRE1748 | 2026-06-26 15:08 | 2026-07-02 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Signed BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT
provided - Due Diligence
Vendor-07/02/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/30/2026 Open-Missing the occupancy affidavit. - Due Diligence Vendor-06/26/2026 |
Resolved-Signed BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT
provided - Due Diligence
Vendor-07/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum
By Six (6) Or More Months Months Reserves Of 217.19 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 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9962532 | ||||
| 4000132882 | D | B | D | B | A | A | A | A | Closed | FCRE8138 | 2026-06-26 03:38 | 2026-07-02 07:55 | Waived | 2 - Non-Material | C | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with supporting comp factors:
exception approved to utilize the lower of the two STR calculation w/a DSCR
ratio <1.0 - Due Diligence
Vendor-07/02/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/30/2026 Open-Calculated DSCR of 0.808 is less than guideline DSCR of 1. Final 1008 states: xxx DSCR - EXPERIENCED INVESTOR - EXCEPTION APPROVED FOR DSCR - LOCK: 6/1, MIN DSCR: 1.00 - FINAL DSCR: .93 - We are missing the exceptions team's approval documentation in the loan file. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted with supporting comp factors:
exception approved to utilize the lower of the two STR calculation w/a DSCR
ratio <1.0 - Due Diligence
Vendor-07/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum
By Six (6) Or More Months Months Reserves Of 217.19 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 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 |
DSCR purchase transaction with 35% down payment xxx Fico 20 months Reserves |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 9950090 | |||
| 4000133449 | 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 | ||||||||||||||||||||
| 4000132312 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134745 | 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 | ||||||||||||||||||||
| 4000134651 | 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 | ||||||||||||||||||||
| 4000135630 | 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 | ||||||||||||||||||||
| 4000135462 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135446 | 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 | ||||||||||||||||||||
| 4000134933 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134324 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133297 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-06-29 11:25 | 2026-06-30 12:19 | 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-HOA with Walls In coverage provided. - Due Diligence Vendor-06/30/2026 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-06/30/2026 Ready for Review-Master Binder - Due Diligence Vendor-06/30/2026 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 The hazard insurance coverage amount of xxx is below the minimum required coverage of xxx . In addition, a Replacement Cost Estimator was not provided to support the adequacy of the dwelling coverage. Obtain evidence of hazard insurance with coverage meeting the minimum required amount or provide an acceptable Replacement Cost Estimator supporting the insured amount. - Due Diligence Vendor-06/29/2026 |
Resolved-HOA with Walls In coverage provided. - Due Diligence Vendor-06/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 40.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9980541 | ||||
| 4000134472 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134658 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128865 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135461 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135418 | 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 | ||||||||||||||||||||
| 4000135524 | 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 | ||||||||||||||||||||
| 4000134372 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130137 | C | A | C | A | A | A | A | A | Closed | FCRE1143 | 2026-06-30 09:55 | 2026-07-21 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not
Applicable - Due Diligence Vendor-07/21/2026 Ready for Review-REVISED APPRL - Due Diligence Vendor-07/18/2026 Open-The Builder is in control of the HOA Per Appraisal the builder is in control of the HOA provide documentation to support otherwise. - Due Diligence Vendor-07/01/2026 |
Resolved-The Builder is not in control of the HOA, or Not
Applicable - Due Diligence Vendor-07/21/2026 |
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 52.73% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.98 Are Greater Than The Guideline Minimum Of 0 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 | 10000416 | ||||
| 4000131593 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-06-30 08:08 | 2026-07-16 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 Resolved-Assets removed from 1008, cash out covers reserves. - Due Diligence Vendor-07/16/2026 Ready for Review-1008 showing reserves are from the funds rec'd at closing - Due Diligence Vendor-07/15/2026 Open-Document Uploaded. The Final 1003 reflects Assets under "Other" iao of xxx however Missing documentation to support this amount. If not using, Missing Updated 1003 & 1008 - Due Diligence Vendor-07/01/2026 Open-Asset 1 Missing - Due Diligence Vendor-06/30/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 Resolved-Assets removed from 1008, cash out covers reserves. - Due Diligence Vendor-07/16/2026 |
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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.09 Are Greater Than The Guideline Minimum Of 3 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 | 9998365 | ||||
| 4000131606 | 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 | ||||||||||||||||||||
| 4000135485 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136791 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133853 | 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 | ||||||||||||||||||||
| 4000133629 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134332 | 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 | ||||||||||||||||||||
| 4000134710 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135057 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-01 06:20 | 2026-07-07 14:27 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-PCCD received, now showing sufficient assets to
close. - Due Diligence
Vendor-07/07/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/07/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close xxx ; borrower's total liquid assets of xxx meets the required cash to close, please waive this condition, thank you. - Due Diligence Vendor-07/07/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Missing evidence of sufficient funds to close OR PCCD showing no more than xxx needed at closing. - Due Diligence Vendor-07/06/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Provide sufficient verified assets to meet the cash to close requirement, as the Audit Review reflects a verified asset shortage of xxx . Additional conditions may apply upon review. - Due Diligence Vendor-07/01/2026 |
Resolved-PCCD received, now showing sufficient assets to
close. - Due Diligence
Vendor-07/07/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/07/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% 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 - 10.00 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 0.03 |
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 | 10017304 | ||||
| 4000135057 | C | A | C | A | A | A | A | A | Closed | FCRE6843 | 2026-07-01 12:47 | 2026-07-06 14:45 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached gift letter reflecting all necessary borrower information, please waive this condition, thank you. - Due Diligence Vendor-07/02/2026 Open-Evidence a fully executed Gift Letter from xxx to B1 for xxx , supporting the xxx wire received by the title/escrow account on xxx . The gift documentation is required to validate the source of funds used for closing. Additional conditions may apply upon review. - Due Diligence Vendor-07/01/2026 |
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 42.31% 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 - 10.00 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 0.03 |
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 | 10025562 | |||||
| 4000135601 | 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 | ||||||||||||||||||||
| 4000134940 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-01 18:35 | 2026-07-06 14:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/06/2026 Ready for Review-Please see attached! Thank you! - Due Diligence Vendor-07/06/2026 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-07/01/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/06/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 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 0.01 |
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 | 10031485 | ||||
| 4000136685 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136768 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-01 10:58 | 2026-07-06 13:02 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-07/02/2026 Open-******* Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.3 Are Greater Than The Guideline Minimum Of 0 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 - 10.00 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 0.14 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 43.1% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.22% 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 | Refinance | Cash Out - Other | N/A | N/A | 10022872 | ||||
| 4000136996 | 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 | ||||||||||||||||||||
| 4000136658 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134271 | 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 | ||||||||||||||||||||
| 4000137222 | 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 | ||||||||||||||||||||
| 4000134843 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-07-01 18:38 | 2026-07-06 19:01 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Lease provided - Due Diligence Vendor-07/06/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/06/2026 Counter-Lender guidelines on page 15 do request the fully executed lease agreement, no mention of using 1007. Please provide updated guidelines or lender exception. The DSCR product uses the 1007 but this was an investment cashout product. - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, we use the same amount on the rent schedule. please waive the condition. thank you - Due Diligence Vendor-07/02/2026 Open-Evidence the current fully executed lease agreement for the subject property at xxx . Per GL, a fully executed lease is required to document long-term rental income. Additional conditions may apply upon review. - Due Diligence Vendor-07/01/2026 |
Resolved-Lease provided - Due Diligence Vendor-07/06/2026 |
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 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.69% 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 153.23 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10031489 | ||||
| 4000134487 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133819 | 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 | ||||||||||||||||||||
| 4000134205 | D | B | D | B | A | A | A | A | Closed | FCRE1241 | 2026-07-01 02:57 | 2026-07-16 06:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-07/16/2026 Ready for Review-Purchase Contract - Due Diligence Vendor-07/15/2026 Open-Purchase Contract Is Missing Purchase contract is missing and could not be reviewed for compliance. - Due Diligence Vendor-07/01/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 9.75
Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10015043 | ||||
| 4000134205 | D | B | D | B | A | A | A | A | Closed | FCRE2502 | 2026-07-01 02:57 | 2026-07-01 16:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Transaction is not arm's length | Waived-1) Non-arm's length transaction (neighbors for almost
10yrs) - 2) First time investor with an exception. - Due Diligence
Vendor-07/01/2026 Open-1) Non-arm's length transaction (neighbors for almost 10yrs) - 2) First time investor with an exception. - Due Diligence Vendor-07/01/2026 |
Waived-1) Non-arm's length transaction (neighbors for almost
10yrs) - 2) First time investor with an exception. - Due Diligence
Vendor-07/01/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 9.75
Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Comp Factors: - FICO xxx - 9 months post closing reserves - DSCR Score 1.07 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 10015044 | ||||
| 4000136769 | C | A | C | A | C | A | A | A | Closed | FCRE6854 | 2026-07-02 11:11 | 2026-07-06 14:29 | Resolved | 1 - Information | C | A | Credit | Title | Title reports unpaid liens | Resolved-page 153 original file - Due Diligence
Vendor-07/06/2026 Ready for Review-Hello, please see attached the Title supplement remove item 15. thank you - Due Diligence Vendor-07/02/2026 Open-Evidence documentation confirming the Municipal Lien in favor of the City of xxx referenced in Title Commitment Schedule B, Exception #15 has been paid in full and satisfied, or provide an updated title commitment reflecting its release. Additional conditions may apply upon review. - Due Diligence Vendor-07/02/2026 |
Resolved-page 153 original file - Due Diligence
Vendor-07/06/2026 |
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 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.97% 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 - 6.75 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 - 10.00 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 0.03 |
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 | 10043880 | ||||
| 4000136769 | C | A | C | A | C | A | A | A | Closed | FCRE1204 | 2026-07-02 11:09 | 2026-07-06 14:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report - Due Diligence Vendor-07/06/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/02/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-07/02/2026 |
Resolved-Fraud report - Due Diligence Vendor-07/06/2026 |
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 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.97% 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 - 6.75 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 - 10.00 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 0.03 |
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 | 10043857 | ||||
| 4000136769 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-07-01 06:10 | 2026-07-06 13:55 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-07/02/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-07/06/2026 |
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 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.97% 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 - 6.75 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 - 10.00 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 0.03 |
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 | 10017195 | ||||
| 4000136517 | 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 | ||||||||||||||||||||
| 4000133396 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135389 | 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 | ||||||||||||||||||||
| 4000134845 | 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 | ||||||||||||||||||||
| 4000135805 | 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 | ||||||||||||||||||||
| 4000132357 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134722 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-07-02 05:42 | 2026-07-06 19:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-PCCD provided - Due Diligence Vendor-07/06/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/06/2026 Ready for Review-Please see the attached final cd/disbursement ledger. - Due Diligence Vendor-07/06/2026 Open-Missing Final Settlement Statement/equivalent for the subject property located at xxx - Due Diligence Vendor-07/02/2026 |
Resolved-PCCD provided - Due Diligence Vendor-07/06/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/06/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 9.00 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10037660 | ||||
| 4000134041 | 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 | ||||||||||||||||||||
| 4000131904 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135141 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-02 06:29 | 2026-07-10 16:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-07/10/2026 Resolved- - Due Diligence Vendor-07/10/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/09/2026 Counter-PCCD updated the disbursement date to reflect funding after the rescission period. However, the per diem interest charged to the borrower for the period of xxx through xxx includes interest that accrued before the rescission period expired. Please review and correct the per diem calculation so that interest is not charged for any period prior to the expiration of the rescission period. - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-07/02/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 |
Resolved-Received PCCD - Due Diligence Vendor-07/10/2026 |
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 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.92% Is Below The Guideline Maximum Of 80% 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 700 By Twenty (20) or More Points |
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 | 10038213 | ||||
| 4000137178 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-02 07:35 | 2026-07-10 16:17 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-07/10/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-07/09/2026 Counter-PCCD updated the disbursement date to reflect funding after the rescission period. However, the per diem interest charged to the borrower for the period of xxx to xxx includes interest that accrued before the rescission period expired. Please review and correct the per diem calculation so that interest is not charged for any period prior to the expiration of the rescission period - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-07/02/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx . Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-07/10/2026 |
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 - 5.28 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.94% Is Less Than The Guideline Maximum Of 50% 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 0.11 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 |
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 | 10038998 | ||||
| 4000135034 | 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 | ||||||||||||||||||||
| 4000137181 | 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 | ||||||||||||||||||||
| 4000137184 | 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 | ||||||||||||||||||||
| 4000134178 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134893 | 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 | ||||||||||||||||||||
| 4000131622 | 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 | ||||||||||||||||||||
| 4000134011 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-07-02 03:44 | 2026-07-23 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-1st mtg statement already in file. 2nd HELOC statement
provided. - Due Diligence
Vendor-07/23/2026 Ready for Review-Statement uploaded - Due Diligence Vendor-07/23/2026 Open-Mortgage Statement(s) Missing of Property xxx ., lender xxx - Due Diligence Vendor-07/02/2026 |
Resolved-1st mtg statement already in file. 2nd HELOC statement
provided. - Due Diligence
Vendor-07/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.51% Is Less Than The Guideline Maximum Of 55% 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 | 10036185 | ||||
| 4000135831 | 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 | ||||||||||||||||||||
| 4000137182 | C | B | A | A | C | B | A | A | Closed | finding-3712 | 2026-07-07 15:09 | 2026-07-16 08:21 | Cured | 2 - Non-Material | C | B | Compliance | State Reg | CA Per Diem Interest Amount Test | Cured-**Received cure package - Due Diligence Vendor-07/16/2026
Resolved-***Received cure package - Due Diligence Vendor-07/16/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/14/2026 Counter-***Received xxx Per Diem Disclosure that appears to be a revised version of page 1 but with the same signature page as that of the one in the original file provided. Lender to provide an explanation and clarify. - Due Diligence Vendor-07/09/2026 Ready for Review-Hello team, please see updated xxx Per Diem document reflecting borrower's request for disbursement on the xxx , please waive this condition, thank you. - Due Diligence Vendor-07/08/2026 Counter-**Received PCCD, updated compliance test results yielded an additional finding. The PCCD has a disbursement date of xxx with the Prepaid Interest collected from xxx . - Due Diligence Vendor-07/07/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx ) exceeds the per diem interest charge or credit threshold (xxx ).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Cured-**Received cure package - Due Diligence Vendor-07/16/2026
Resolved-***Received cure package - Due Diligence Vendor-07/16/2026 |
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 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 0.01 |
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 | 10102525 | ||||
| 4000137182 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-07-02 08:49 | 2026-07-07 15:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-07/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxx .. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-07/07/2026 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 0.01 |
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 | 10039935 | ||||
| 4000137183 | 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 | ||||||||||||||||||||
| 4000137180 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-02 01:14 | 2026-07-06 19:47 | 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-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close of xxx , borrower has total liquid assets of xxx meeting the required funds to close, please waive this condition, thank you. - Due Diligence Vendor-07/06/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Provide sufficient verified assets to cover the xxx shortage, as Total Liquid Assets Available for Close (xxx ) are less than Total Cash to Close (xxx ). Additional conditions may apply upon review. - Due Diligence Vendor-07/02/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-07/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% 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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10034669 | ||||
| 4000135890 | 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 | ||||||||||||||||||||
| 4000134957 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000117042 | 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 | ||||||||||||||||||||
| 4000135056 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-07-06 12:48 | 2026-07-07 08:36 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-07/06/2026 Open-Evidence the subject property's actual monthly rental income of xxx . The amount used for qualification exceeds the actual rental income reflected on the 1007. Per GL, qualifying rental income must be calculated using 75% of the gross rent less PITIA. Additional conditions may apply upon review. - Due Diligence Vendor-07/06/2026 |
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 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 26.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10074720 | |||||
| 4000134849 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-07-07 01:27 | 2026-07-08 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-CD received - Due Diligence Vendor-07/08/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/08/2026 Ready for Review-title final CD - Due Diligence Vendor-07/08/2026 Open-Missing Final Settlement Statement/equivalent for the subject property located at xxx - Due Diligence Vendor-07/07/2026 |
Resolved-CD received - Due Diligence Vendor-07/08/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 56.87 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 720 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 | 10084995 | ||||
| 4000134849 | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2026-07-07 03:15 | 2026-07-07 21:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Updated ID received - Due Diligence Vendor-07/08/2026
Ready for Review-ID - Due Diligence Vendor-07/07/2026 Open-Driving license is expired. - Due Diligence Vendor-07/07/2026 |
Resolved-Updated ID received - Due Diligence
Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 56.87 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 720 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 | 10086417 | ||||
| 4000134849 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2026-07-07 01:49 | 2026-07-07 21:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-07/08/2026 Ready for Review-Title and county information - Due Diligence Vendor-07/07/2026 Open-Missing Property Tax Cert for the subject property at xxx - Due Diligence Vendor-07/07/2026 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 56.87 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 720 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 | 10085219 | ||||
| 4000134849 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-07-07 01:49 | 2026-07-07 21:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence
Vendor-07/08/2026 Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-Prelim - Due Diligence Vendor-07/07/2026 Open-Title Document is missing for the subject property at xxx - Due Diligence Vendor-07/07/2026 |
Resolved-Title Document is fully Present - Due Diligence
Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 56.87 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 720 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 | 10085220 | ||||
| 4000134504 | 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 | ||||||||||||||||||||
| 4000137179 | 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 | ||||||||||||||||||||
| 4000135624 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130114 | 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 | ||||||||||||||||||||
| 4000137296 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136498 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134497 | 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 | ||||||||||||||||||||
| 4000136003 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133706 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-07-02 13:37 | 2026-07-14 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-07/14/2026 Ready for Review-xxx - Due Diligence Vendor-07/12/2026 Counter-Missing bank statements for xxx account showing xxx in balances as seen on 1003. - Due Diligence Vendor-07/09/2026 Ready for Review-the condition is veery generic and does not state what is missing - Due Diligence Vendor-07/08/2026 Open-Asset 1 Missing - Due Diligence Vendor-07/02/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-07/14/2026 |
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 416.1 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10046879 | ||||
| 4000135915 | 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 | ||||||||||||||||||||
| 4000135830 | 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 | ||||||||||||||||||||
| 4000133662 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129871 | 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 | ||||||||||||||||||||
| 4000130817 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137605 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-07-06 17:39 | 2026-07-08 20:08 | 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-07/09/2026 Ready for Review-Please see the attached Data Verifier - Due Diligence Vendor-07/08/2026 Open-Third Party Fraud Report Partially Provided Provide complete Fraud report- Fraud report in the file states AVM/property data not available. - Due Diligence Vendor-07/06/2026 |
Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-07/09/2026 |
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 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 3 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 | 10079475 | ||||
| 4000135622 | 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 | ||||||||||||||||||||
| 4000133864 | 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 | ||||||||||||||||||||
| 4000133426 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133241 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136116 | 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 | ||||||||||||||||||||
| 4000135649 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134106 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135469 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-07 10:59 | 2026-07-08 18:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/08/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/08/2026 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-07/07/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 35.9% Is Below The Guideline Maximum Of 80%
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 - 5.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.92% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10096282 | ||||
| 4000133802 | 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 | ||||||||||||||||||||
| 4000135054 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-06 09:32 | 2026-07-09 10:17 | 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-07/09/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close of xxx , borrower has available liquid assets of xxx , meeting the required funds to close, please waive this condition, thank you. - Due Diligence Vendor-07/08/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . - Due Diligence Vendor-07/06/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-07/09/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% Is Less Than The Guideline Maximum Of 50% 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 |
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 | 10062002 | ||||
| 4000131685 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-07-06 08:22 | 2026-07-07 15:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Field Review not from Specific Vendor (no comp factors listed, but approved response per XXXXX XXXX, CCO - pg 287) - Due Diligence Vendor-07/06/2026 |
Waived-Field Review not from Specific Vendor (no comp factors listed, but approved response per xxxxx xxxxx, CCO - pg 287) - Due Diligence Vendor-07/06/2026 |
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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.75 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More 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 - 8.29 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 - 12.08 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 0.06 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10061050 | |||||
| 4000134801 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135703 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-06 02:41 | 2026-07-09 07:04 | 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-07/09/2026 Ready for Review-xxx prev provided - Due Diligence Vendor-07/08/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/06/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-07/09/2026 |
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 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 228.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 - 20.00 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 | 10056795 | ||||
| 4000135466 | 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 | ||||||||||||||||||||
| 4000135471 | 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 | ||||||||||||||||||||
| 4000136607 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-07-07 10:14 | 2026-07-13 13:14 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Ready for Review-Here is the COC and Appraisal Invoice. Please review and clear the condition. - Due Diligence Vendor-07/08/2026 Open-The following charges have been either added or increased: Appraisal Re-Inspection 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-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 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-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - validated 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 - validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% 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 | 10095077 | ||||
| 4000136607 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-07-07 10:14 | 2026-07-13 13:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Open-The following charges have been either added or increased: Appraisal Re-Inspection 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-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 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-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - validated 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 - validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 | 10095076 | |||||
| 4000136607 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-07-07 10:14 | 2026-07-13 13:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 Resolved- - Due Diligence Vendor-07/09/2026 Open-The following charges have been either added or increased: Appraisal Re-Inspection 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 .00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 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-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/13/2026 Resolved- - Due Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - validated 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 - validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 | 10095075 | |||||
| 4000136607 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-07 17:11 | 2026-07-09 09:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/09/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/08/2026 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-07/07/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - validated 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 - validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% 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 | 10104763 | ||||
| 4000131400 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135818 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134569 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-07-06 08:48 | 2026-07-24 06:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. xxx let us know that there guides allow down to xxx - Buyer-07/22/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan amount is xxx , per guidelines min is xxx . - Due Diligence Vendor-07/06/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 54.08% 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 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10061359 | ||||
| 4000134295 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-07 17:54 | 2026-07-08 17:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 18.42 are greater than or equal to
Guideline Required Reserves of 18 - Due Diligence Vendor-07/08/2026 Resolved-Lender provided more indepth LOE about closing monies. - Due Diligence Vendor-07/08/2026 Ready for Review-Reserves of xxx after EM and Borrower Wire funds to title. - Due Diligence Vendor-07/08/2026 Open-Audited Reserves of 10.29 are less than Guideline Required Reserves of 18 Borrower is short reserves. Borrower needs xxx in reserves due to an additional 12 months reserves because of departing residence is excluded. Borrower is short xxx in reserves. - Due Diligence Vendor-07/07/2026 |
Resolved-Audited Reserves of 18.42 are greater than or equal to
Guideline Required Reserves of 18 - Due Diligence Vendor-07/08/2026 Resolved-Lender provided more indepth LOE about closing monies. - Due Diligence Vendor-07/08/2026 |
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 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.33% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.46% Is Below The Guideline Maximum Of 90% 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 - 21.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 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 0.0 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 - 6.87 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 | 10105152 | ||||
| 4000135004 | 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 | ||||||||||||||||||||
| 4000134057 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134054 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137832 | 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 | ||||||||||||||||||||
| 4000135475 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-07-07 08:50 | 2026-07-08 16:32 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-07/08/2026 Ready for Review-Kindly see attached. Thank you. - Due Diligence Vendor-07/08/2026 Open-Appraisal is Missing Missing complete appraisal from xxx with 1004D per charges on final CD. - Due Diligence Vendor-07/08/2026 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-07/08/2026 |
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 0.15 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 - 23.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 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 - 24.00 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 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.17% Is Below The Guideline Maximum Of 80% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10092495 | ||||
| 4000135215 | 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 | ||||||||||||||||||||
| 4000135826 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132621 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136317 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136553 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134215 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-07 03:31 | 2026-07-21 15:28 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/21/2026 Ready for Review-1008 - Due Diligence Vendor-07/20/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/07/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/21/2026 |
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 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.59% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 536.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 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 0.17 |
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 | 10086592 | ||||
| 4000133844 | 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 | ||||||||||||||||||||
| 4000135451 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133842 | 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 | ||||||||||||||||||||
| 4000136063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132410 | 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 | ||||||||||||||||||||
| 4000133661 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-07 02:06 | 2026-07-22 07:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/22/2026 Ready for Review-LoanSafe Report - Due Diligence Vendor-07/21/2026 Open-Missing Third Party Fraud Report from Package Upload - unable to review - Due Diligence Vendor-07/07/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 68.86% Is Below The Guideline Maximum Of 80%
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10085459 | ||||
| 4000135394 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135449 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-08 15:34 | 2026-07-09 16:36 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/09/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/09/2026 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-07/08/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 16.23 Are Greater Than The Guideline
Minimum Of 4 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 |
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 | 10130760 | ||||
| 4000135643 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135490 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137043 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134265 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130170 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133903 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137051 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137922 | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2026-07-07 08:50 | 2026-07-09 14:01 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Updated PCCD provided.
- Due Diligence Vendor-07/09/2026 Ready for Review-Kindly see the attached updated PCCD. Thank you. - Due Diligence Vendor-07/09/2026 Counter-There is a PCCD with disbursement date of xxx in file. Which final closing statement is correct? Please send corrected PCCD if xxx is correct disbursement date. Thanks - Due Diligence Vendor-07/09/2026 Ready for Review-File was funded xxx . EOI effective is before the funding date, so should be fine. - Due Diligence Vendor-07/09/2026 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-07/07/2026 |
Resolved-Updated PCCD provided.
- Due Diligence Vendor-07/09/2026 |
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 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.42% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 0 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 | Purchase | NA | N/A | N/A | 10092491 | ||||
| 4000136604 | 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 | ||||||||||||||||||||
| 4000137933 | 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 | ||||||||||||||||||||
| 4000136655 | 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 | ||||||||||||||||||||
| 4000137934 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-07-08 02:40 | 2026-07-10 06:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-1003 updated - Due Diligence Vendor-07/10/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/10/2026 Ready for Review-Gift fund is not used for the final transaction. Please see the updated 1003 reflecting no Gift. Thank you. - Due Diligence Vendor-07/10/2026 Open-Asset 3 Missing - Gift letter not provided. - Due Diligence Vendor-07/08/2026 |
Resolved-1003 updated - Due Diligence Vendor-07/10/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 45.67 Are Greater Than The Guideline
Minimum Of 4 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 - 12.00 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.59% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More 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 - 8.50 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 | 10109310 | ||||
| 4000135234 | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-07-08 01:11 | 2026-07-15 14:03 | 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 PCCD - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Counter-**Received confirmation that the Electronic Delivery Fee in Section B was paid to the lender. Fees paid to the lender do not typically belong in section B unless they are pass-through fee paid to the lender for the benefit of a third party. Lender to provide a PCCD with fee placed correctly in Section A. - Due Diligence Vendor-07/10/2026 Ready for Review-**Received confirmation that the Electronic Delivery Fee in Section B was paid to the lender. Fees paid to the lender do not typically belong in section B unless they are pass-through fee paid to the lender for the benefit of a third party. Lender to provide a PCCD with fee placed correctly in Section A. - Due Diligence Vendor-07/10/2026 Ready for Review-This is not a valid deficiency -per National Closing Manager: Yes it is paid to us to hybrid sign docs. - Seller-07/09/2026 Open-****** The final cd indicates the Electronic Delivery fee shows paid to lender. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 Ready for Review-This is not a valid deficiency -per xxx: Yes it is paid to us to hybrid sign docs. - Seller-07/09/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-07/15/2026 |
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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 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 - 11.92 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 - 16.69 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.03% Is Less Than The Guideline Maximum Of 55% 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 - 30.58 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10108437 | |||
| 4000136200 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000135258 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135136 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000136096 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000136130 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136581 | 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 | ||||||||||||||||||||
| 4000135825 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-07-08 01:35 | 2026-07-21 19:43 | 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-07/21/2026 Ready for Review-Updated HOI effective date - Due Diligence Vendor-07/21/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/08/2026 |
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-07/21/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 489.33 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 48.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10108630 | ||||
| 4000135275 | 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 | ||||||||||||||||||||
| 4000135276 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-07-07 21:12 | 2026-07-14 06:53 | 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-07/14/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated disbursement date of xxx , policy effective date is no longer after disbursement, please waive this condition, thank you. - Due Diligence Vendor-07/10/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Evidence an updated Hazard Insurance policy for the subject property with an effective date on or before the xxx disbursement date. The current policy is effective xxx and does not meet guideline requirements. Additional conditions may apply upon review. - Due Diligence Vendor-07/08/2026 |
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-07/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.01% Is Less Than The Guideline
Maximum Of 50% 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% 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 | 10106462 | ||||
| 4000135276 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-07-09 19:06 | 2026-07-13 14:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided - Due Diligence
Vendor-07/13/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, please waive this condition, thank you. - Due Diligence Vendor-07/10/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-07/09/2026 |
Resolved-Fraud report provided - Due Diligence
Vendor-07/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.01% Is Less Than The Guideline
Maximum Of 50% 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% 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 | 10162144 | ||||
| 4000133833 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136625 | 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 | ||||||||||||||||||||
| 4000134644 | 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 | ||||||||||||||||||||
| 4000135673 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-07-08 04:32 | 2026-07-16 06:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-updated 1003 - Due Diligence Vendor-07/16/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Hello team, please see updated final 1003 reflecting updated asset amounts, and ICD showing borrower's funds to close prior to closing, please advise if this is sufficient in clearing exceptions, thank you. - Due Diligence Vendor-07/14/2026 Counter-Subject Loan Closed/Disbursed on xxx - The Final HUD/SS/ALTA provided in this Condition reflects a disbursement date of xxx , (for a C/O on another REO property) that's after the closing of this loan, Available assets need to be prior to closing of xxx - Due Diligence Vendor-07/13/2026 Ready for Review-Hello team, please see final updated 1003 w/ updated asset amount along with ICD and final settlement statement highlighting asset amounts, please waive this condition, thank you. - Due Diligence Vendor-07/09/2026 Open-Asset 1 Missing Evidence the supporting documentation for Asset 1 gift funds of xxx . The file is missing the gift letter and related gift documentation required to verify the reported asset. Additional conditions may apply upon review. - Due Diligence Vendor-07/08/2026 |
Resolved-updated 1003 - Due Diligence Vendor-07/16/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 |
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 660 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 - 14.47 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 - 14.46 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 0.11 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10110660 | ||||
| 4000135673 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-07-08 05:00 | 2026-07-13 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-07/13/2026 Ready for Review-Hello team, please see attached updated final 1003 showing that borrower's primary residence is owned, please waive this condition, thank you. - Due Diligence Vendor-07/09/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Evidence a rent-free LOE from xxx confirming B1 resides rent-free at the primary residence located at xxx . The required letter is missing from the file. Per guideline, the individual responsible for the current mortgage payment must confirm the living arrangement. Additional conditions may apply upon review. - Due Diligence Vendor-07/08/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-07/13/2026 |
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 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 - 14.47 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 - 14.46 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 0.11 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10110920 | ||||
| 4000131247 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135055 | 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 | ||||||||||||||||||||
| 4000133878 | 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 | ||||||||||||||||||||
| 4000138302 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-08 06:52 | 2026-07-22 08:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-07/22/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/22/2026 Counter-Reserves of 4 months corrected but verified reserves are still below this mark. Please update or provide lender exception. Thanks - Due Diligence Vendor-07/22/2026 Ready for Review-Per xxx guideline, 4 months of reserve requirement is correct. Could you please help update the condition deleting "Required reserves of 6"? - Due Diligence Vendor-07/21/2026 Open-Audited Reserves of 1.16 are less than Guideline Required Reserves of 4 Audited Reserves of 1.71 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/08/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% Is Less Than The Guideline Maximum Of 50% 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 0.02 |
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 | 10114912 | |||||
| 4000136690 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-10 13:14 | 2026-07-13 16:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-07/13/2026 Ready for Review-Please find attached print snip - Due Diligence Vendor-07/13/2026 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-07/10/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.79% 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 48.39 Are Greater Than The Guideline Minimum Of 0 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.13% Is Below The Guideline Maximum Of 80% 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 | 10181828 | ||||
| 4000135454 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-09 17:23 | 2026-07-10 08:07 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/10/2026 Ready for Review-Please find attached print snip from LOS - Due Diligence Vendor-07/10/2026 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-07/09/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 43.92% 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 32.71 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 660 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 - 15.00 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 0.25 |
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 | 10161589 | ||||
| 4000129940 | 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 | ||||||||||||||||||||
| 4000133114 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138284 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2026-07-09 06:05 | 2026-07-14 09:43 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/14/2026 Ready for Review-Please see attached! Thank you! - Due Diligence Vendor-07/13/2026 Open-1008/Underwriting Summary Not Provided 1008 Document is missing - Due Diligence Vendor-07/09/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 52.38% Is Below The Guideline Maximum Of 75%
By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.87% Is Less Than The Guideline Maximum Of 50% 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 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.24 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 | No Cash Out - Borrower Initiated | N/A | N/A | 10145597 | ||||
| 4000138284 | C | A | B | A | C | A | A | A | Closed | FCOM7353 | 2026-07-10 13:56 | 2026-07-13 16:39 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/13/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/13/2026 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-07/10/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 52.38% Is Below The Guideline Maximum Of 75%
By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.87% Is Less Than The Guideline Maximum Of 50% 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 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.24 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 | No Cash Out - Borrower Initiated | N/A | N/A | 10182632 | ||||
| 4000133654 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2026-07-09 22:24 | 2026-07-13 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Signed LOE provided
- Due Diligence Vendor-07/13/2026 Ready for Review-Hello team, please see attached executed LOE explaining why subject property is listed as vacant, please waive this condition, thank you. - Due Diligence Vendor-07/10/2026 Open-Appraisal identifies the subject property as vacant. Per GL, a borrower Letter of Explanation (LOE) is pending to explain why the property is vacant. - Due Diligence Vendor-07/10/2026 |
Resolved-Signed LOE provided
- Due Diligence Vendor-07/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% 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 - 5.17 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 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.59 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 | 10163162 | ||||
| 4000135634 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136542 | 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 | ||||||||||||||||||||
| 4000138298 | 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 | ||||||||||||||||||||
| 4000134147 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134134 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134113 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127863 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-07-08 22:58 | 2026-07-14 09:53 | 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-07/14/2026 Ready for Review-FINAL INSPECTION - Due Diligence Vendor-07/12/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present The subject property appraisal is not completed on an "As-Is" basis. The required Completion Report (Form 1004D) is incomplete. While a copy of the invoice (page 102) is included in the file, the completed Form 1004D is missing and must be provided. - Due Diligence Vendor-07/10/2026 |
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-07/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 10.16 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 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 | 10137991 | ||||
| 4000135478 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138287 | 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 | ||||||||||||||||||||
| 4000133663 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138306 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-10 15:21 | 2026-07-13 16:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/13/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/13/2026 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-07/10/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence
Vendor-07/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 38.75% 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 - 20.00 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 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 0.07 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 - 9.01 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 | 10184513 | ||||
| 4000133901 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135849 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138290 | 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 | ||||||||||||||||||||
| 4000136257 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135472 | 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 | ||||||||||||||||||||
| 4000136927 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135621 | C | A | A | A | C | A | A | A | Closed | FCOM1209 | 2026-07-13 09:28 | 2026-07-21 09:01 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved-Prepayment Penalty Addendum/Rider provided - Due Diligence Vendor-07/21/2026 Ready for Review-ppp docs - Due Diligence Vendor-07/20/2026 Open-The Final CD in file and tape data reflects a Prepayment Penalty. The Note does not. Provide updated Note document and/or Prepayment Penalty Addendum/Rider to match the Final CD. - Due Diligence Vendor-07/13/2026 |
Resolved-Prepayment Penalty Addendum/Rider provided - Due Diligence Vendor-07/21/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.53 Are Greater Than The Guideline Minimum Of 3 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 | 10203120 | ||||
| 4000134333 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126755 | C | A | C | A | A | A | A | A | Closed | FPRO1245 | 2026-07-09 05:47 | 2026-07-27 11:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-07/27/2026 Ready for Review-Corrected/Updated Appraisal Report along with SSRs with Effective Date - Due Diligence Vendor-07/27/2026 Open-Provide updated full appraisal. note date is xxx and guides required appraisal dated within 120 days from note date. Appraisal in file is expired dated xxx - Due Diligence Vendor-07/10/2026 Rescinded-Provide updated full appraisal. note date is xxx and guides required appraisal dated within 120 days from note date. Appraisal in file is expired dated xxx - Due Diligence Vendor-07/10/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-07/27/2026 Rescinded-Provide updated full appraisal. note date is xxx and guides required appraisal dated within 120 days from note date. Appraisal in file is expired dated xxx - Due Diligence Vendor-07/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 110.38 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 At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10143416 | ||||
| 4000135644 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133735 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131911 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134672 | 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 | ||||||||||||||||||||
| 4000134021 | 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 | ||||||||||||||||||||
| 4000136127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134505 | D | A | D | A | C | A | A | A | Closed | FCOM1291 | 2026-07-14 10:03 | 2026-07-16 18:19 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct H9 executed at consummation, has been provided
- Due Diligence Vendor-07/16/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-07/15/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-07/14/2026 |
Resolved-Correct H9 executed at consummation, has been 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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% 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 |
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 | 10232160 | ||||
| 4000134505 | D | A | D | A | C | A | A | A | Closed | FCRE1316 | 2026-07-13 14:16 | 2026-07-16 13:08 | 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 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-07/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Evidence an updated third-party Verification of Employment (VVOE) for B1, dated prior to closing. The current VVOE is undated and does not satisfy guideline requirements. Additional conditions may apply upon review. - 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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% 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 |
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 | 10210877 | ||||
| 4000134505 | D | A | D | A | C | A | A | A | Closed | FCRE7000 | 2026-07-10 03:13 | 2026-07-16 13:06 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-PCCD update shows sufficient reserves. - Due Diligence Vendor-07/16/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Hello Team, please see attached the Post Consummation Closing Disclosure and Final SS showing the cash to close is xxx and Total Asset available is xxx so borrower has enough the fund to close. Please waive condition. Thank you - Due Diligence Vendor-07/15/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Provide sufficient verified assets to cover the xxx shortage, as Total Liquid Assets Available for Close (xxx ) are less than Total Cash to Close (xxx ). Additional conditions may apply upon review. - Due Diligence Vendor-07/10/2026 |
Resolved-PCCD update shows sufficient reserves. - Due Diligence Vendor-07/16/2026 Resolved-Total Liquid Assets Available for Close Resolved - 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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% 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 |
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 | 10165238 | ||||
| 4000134505 | D | A | D | A | C | A | A | A | Closed | FCRE6873 | 2026-07-13 15:26 | 2026-07-16 13:00 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-07/15/2026 Open-Open Fraud Alert on CBR to be cleared. Fraud Alert appears due to reported ID theft per CBR. - Due Diligence Vendor-07/13/2026 |
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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% 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 |
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 | 10212173 | |||||
| 4000135140 | 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 | ||||||||||||||||||||
| 4000135599 | C | A | C | A | A | A | A | A | Closed | FCRE1442 | 2026-07-10 01:17 | 2026-07-16 06:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-07/16/2026
Ready for Review-updated docs in file - Due Diligence Vendor-07/14/2026 Open-Asset 1 Expired The Verification of Assets report dated xxx for xxx account ending in xxx (page 670) has expired. Please provide an updated Verification of Assets report. Additionally, the bank statements on pages 70 and 73 reflect different account numbers and significantly lower account balances than those required to support the verified assets. Please provide documentation sufficient to reconcile the discrepancies and verify the required funds. - Due Diligence Vendor-07/10/2026 |
Resolved-Asset 1 Not Expired - Due Diligence
Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 12.50
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 10.75 Are Greater Than The Guideline Minimum Of 3 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 | 10163826 | ||||
| 4000135599 | C | A | C | A | A | A | A | A | Closed | FCRE1443 | 2026-07-10 01:17 | 2026-07-16 06:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence
Vendor-07/16/2026 Ready for Review-see updated doc prev provide with initial upload - Due Diligence Vendor-07/14/2026 Open-Asset 2 Expired The Verification of Assets report dated xxx for xxx account ending in xxx (page 670) has expired. Please provide an updated Verification of Assets report. Additionally, the bank statements on pages 70 and 73 reflect different account numbers and significantly lower account balances than those required to support the verified assets. Please provide documentation sufficient to reconcile the discrepancies and verify the required funds. - Due Diligence Vendor-07/10/2026 |
Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence
Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 12.50
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 10.75 Are Greater Than The Guideline Minimum Of 3 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 | 10163827 | ||||
| 4000135599 | C | A | C | A | A | A | A | A | Closed | FCRE1445 | 2026-07-10 01:17 | 2026-07-16 06:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Expired | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence
Vendor-07/16/2026 Ready for Review-see attached - Due Diligence Vendor-07/14/2026 Open-Asset 3 Expired The Verification of Assets report dated xxx for xxx account ending in xxx (page 670) has expired. Please provide an updated Verification of Assets report. Additionally, the bank statements on pages 70 and 73 reflect different account numbers and significantly lower account balances than those required to support the verified assets. Please provide documentation sufficient to reconcile the discrepancies and verify the required funds. - Due Diligence Vendor-07/10/2026 |
Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence
Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 12.50
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 10.75 Are Greater Than The Guideline Minimum Of 3 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 | 10163828 | ||||
| 4000136926 | 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 | ||||||||||||||||||||
| 4000137875 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-07-13 10:48 | 2026-07-17 19:26 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-I93 documents are present. - Due Diligence Vendor-07/17/2026 Counter-xxx requires to have an Approved Lender Exception form from them. - Due Diligence Vendor-07/15/2026 Ready for Review-Please see explanation that xxx already approved current residency docs. Please review with client to clear, thank you - Due Diligence Vendor-07/14/2026 Open-Borrower is a Non Perm Resident Alien. Missing Employment Authorization Card. - Due Diligence Vendor-07/13/2026 |
Resolved-I93 documents are present. - Due Diligence Vendor-07/17/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10204745 | |||||
| 4000132121 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135071 | C | A | C | A | A | A | A | A | Closed | FCRE4805 | 2026-07-13 11:14 | 2026-07-15 14:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence
Vendor-07/15/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-07/14/2026 Open-Trust/POA Does Not Meet Guideline Requirements Borrower signed subject loan under- xxx dated xxx and NO trust documentation in the file to support. - Due Diligence Vendor-07/13/2026 |
Resolved-Trust/POA Meets Guideline Requirements - Due Diligence
Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By
Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 | 10205372 | ||||
| 4000136420 | 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 | ||||||||||||||||||||
| 4000126756 | 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 | ||||||||||||||||||||
| 4000136724 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-13 17:21 | 2026-07-16 12:58 | 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-07/16/2026 Ready for Review-Hello team, please see attached PITI profile for xxx REO; property is SFR so no included HOA fees, last page also depicts HOI premium of xxx monthly fee. Please waive this condition, thank you. - Due Diligence Vendor-07/15/2026 Open-Evidence documentation supporting the annual HOI premium and HOA fee for the primary residence at xxx . Current documentation supports monthly real estate taxes of xxx , but the xxx monthly HOI and HOA fee reflected on the Final 1003 remain unsupported. Additional conditions may apply upon review. - Due Diligence Vendor-07/13/2026 |
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 0.07 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 - 5.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.93 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 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10215839 | |||||
| 4000136724 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-07-13 20:58 | 2026-07-16 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Parent-child transfer vs flip. - Due Diligence Vendor-07/16/2026 Ready for Review-Hello team, please see attached gift deed, on page 3 of gift deed it highlights that the transfer is a "parent-child" transfer, please waive this condition, thank you. - Due Diligence Vendor-07/15/2026 Open-Evidence documentation clarifying the recent transfer of title to the subject property on xxx from xxx (aka xxx ) to xxx . The file does not clearly establish whether the transfer was a family transfer or a property flip. Provide supporting documentation to determine the applicability of the property flip guidelines, as a second appraisal is required if the transaction is determined to be a flip. Additional conditions may apply upon review. - Due Diligence Vendor-07/14/2026 |
Resolved-Parent-child transfer vs flip. - 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 0.07 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 - 5.90 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.93 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 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10218214 | ||||
| 4000134715 | 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 | ||||||||||||||||||||
| 4000136903 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136684 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2026-07-13 05:03 | 2026-07-29 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-07/29/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/29/2026 Counter-Please provide the updated xxx statement supporting the amount shown on 1003, currently verification is for xxx . - Due Diligence Vendor-07/16/2026 Ready for Review-Please refer to the 1003, 1008 updated. There's no gift for the borrower. FSS is also provided to support the 1003, 1008 updated. Please waive the condition. - Due Diligence Vendor-07/14/2026 Counter-Document Uploaded. The final 1003 states Cash Gift - not deposited - from a relative iao xxx - Due Diligence Vendor-07/14/2026 Ready for Review-Hello, could you please review the 1003 again. There's only assets for xxx xxx xxx . Please waive the condition - Due Diligence Vendor-07/14/2026 Open-Asset 4 Missing Asset 4 gift iao xxx - Missing - Due Diligence Vendor-07/13/2026 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-07/29/2026 |
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 - 6.16 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 - 15 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.41 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 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.04% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10197346 | ||||
| 4000135682 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136285 | 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 | ||||||||||||||||||||
| 4000137392 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-14 07:58 | 2026-07-15 14:23 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date. - Due
Diligence Vendor-07/15/2026 Ready for Review-Please see attached! Thank you! - Due Diligence Vendor-07/15/2026 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-07/14/2026 |
Resolved-**Received confirmation of the application date. - Due
Diligence Vendor-07/15/2026 |
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 - 12.61 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 - 15.00 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 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.36% Is Below The Guideline Maximum Of 75% 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 | Refinance | Cash Out - Other | N/A | N/A | 10227811 | ||||
| 4000135687 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135582 | 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 | ||||||||||||||||||||
| 4000136671 | 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 | ||||||||||||||||||||
| 4000136035 | 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 | ||||||||||||||||||||
| 4000135148 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135129 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000136184 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-13 02:25 | 2026-07-15 12:03 | 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-07/15/2026 Ready for Review-Cost to build New is xxx per the Appraisal. Insurance is sufficient. - Seller-07/13/2026 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 Required RC - Due Diligence Vendor-07/13/2026 |
Ready for Review-Cost to build New is xxx per the Appraisal.
Insurance is sufficient. -
Seller-07/13/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-07/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 47.8 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 65% 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 700 By Twenty (20) or More Points |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10195820 | ||||
| 4000136133 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133171 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-07-14 06:32 | 2026-07-24 06:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Buyer-07/22/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender exception needed for loan amount < minimum. - Due Diligence Vendor-07/14/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 5.75 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 160.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10225812 | ||||
| 4000135728 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-07-13 15:34 | 2026-07-24 06:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Buyer-07/22/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender exception needed for loan amount xxx minimum loan size. - Due Diligence Vendor-07/13/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 10.75 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 215.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10212417 | ||||
| 4000133167 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-07-13 10:28 | 2026-07-24 06:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Buyer-07/22/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Missing lender exception for loan amount <xxx . (1 of 2 loan amount exceptions for same borrower) (initial loan approval was over xxx ) - Due Diligence Vendor-07/13/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline
Minimum Loan Amount of xxx - Due
Diligence Vendor-07/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 146.87 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10204275 | ||||
| 4000131700 | 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 | ||||||||||||||||||||
| 4000133232 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138844 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137095 | 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 | ||||||||||||||||||||
| 4000136703 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-14 02:33 | 2026-07-15 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/15/2026 Ready for Review-Please see attached. - Due Diligence Vendor-07/14/2026 Open-Missing Third Party Fraud Report in File. - Due Diligence Vendor-07/14/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/15/2026 |
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 0.07 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 39.73% Is Less Than The Guideline Maximum Of 49.99% 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 - 15.00 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 | 10221574 | ||||
| 4000136539 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-14 02:09 | 2026-07-16 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/16/2026 Ready for Review-Please see attached. - Due Diligence Vendor-07/15/2026 Open-Missing Third Party Fraud Report Fraud report document missing. - Due Diligence Vendor-07/14/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/16/2026 |
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 -
22.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.38% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% 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 |
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 | 10221372 | ||||
| 4000137254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133915 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136534 | 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 | ||||||||||||||||||||
| 4000136657 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-14 05:38 | 2026-07-16 09:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Based on our calculation, the borrower appears to meet the reserve requirement. Total assets: xxx (xxx ) Final funds: xxx Remaining assets: xxx With a monthly housing expense of xxx , the remaining reserves equal approximately 9.08 months, which exceeds the required 2 months. Could you please advise if you have any concerns in this calculation? - Due Diligence Vendor-07/15/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 2 - Due Diligence Vendor-07/14/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% 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 - 10.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10224619 | ||||||
| 4000136657 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-14 05:28 | 2026-07-16 09:33 | 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-07/16/2026 Ready for Review- - Due Diligence Vendor-07/16/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Please see the attached xxx statement with balance xxx & xxx statement with balance xxx & Final Funds receipt reflecting xxx . Thank you! - Due Diligence Vendor-07/15/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . - Due Diligence Vendor-07/14/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-07/16/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/16/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% 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 - 10.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10223368 | ||||
| 4000136115 | 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 | ||||||||||||||||||||
| 4000138294 | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2026-07-14 01:52 | 2026-07-16 12:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender exception for loan amount below matrix
minimum. - Due Diligence
Vendor-07/16/2026 Ready for Review-Hello team, please see the following exception request for this condition, thank you. - Due Diligence Vendor-07/15/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx As per Guidelines Minimum loan Amount is xxx - Due Diligence Vendor-07/14/2026 |
Waived-Lender exception for loan amount below matrix
minimum. - Due Diligence
Vendor-07/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 82.76 Are Greater Than The Guideline
Minimum Of 2 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 |
Reserves | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10221204 | |||
| 4000139068 | 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 | ||||||||||||||||||||
| 4000137766 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137768 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137767 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134939 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134477 | 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 | ||||||||||||||||||||
| 4000134588 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-07-16 10:17 | 2026-07-24 13:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received ICD - Due Diligence Vendor-07/24/2026 Resolved- - Due Diligence Vendor-07/24/2026 Resolved- - Due Diligence Vendor-07/24/2026 Ready for Review-Initial COC/CD/Audit Log - Due Diligence Vendor-07/24/2026 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:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday 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 Sunday 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 Sunday 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-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 |
Resolved-Received ICD - Due Diligence Vendor-07/24/2026 Resolved- - Due Diligence Vendor-07/24/2026 |
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 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 33.69% Is Less Than The Guideline Maximum Of 55% 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 - 6.75 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 5.06 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 - 13.33 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 - 13.53 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 | 10290202 | ||||
| 4000134588 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-07-14 11:02 | 2026-07-24 13:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-07/24/2026 Ready for Review-Initial COC/CD/Audit Log - Due Diligence Vendor-07/24/2026 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-07/14/2026 |
Resolved-**Received ICD - Due Diligence Vendor-07/24/2026 |
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 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 33.69% Is Less Than The Guideline Maximum Of 55% 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 - 6.75 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 5.06 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 - 13.33 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 - 13.53 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 | 10233319 | ||||
| 4000134576 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135486 | 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 | ||||||||||||||||||||
| 4000137395 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134969 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-07-15 02:35 | 2026-07-21 08:52 | 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-07/21/2026 Ready for Review-Verbal VOE and Business info - Due Diligence Vendor-07/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/15/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-07/21/2026 |
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 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More 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 - 16.86 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.19 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 - 35.50 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 | 10251134 | ||||
| 4000134969 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-07-15 02:35 | 2026-07-21 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-07/21/2026 Ready for Review-Business bank statements were uploaded in the closing package, pages 278-302 / 532 Also UW utilized Account Chek as GL's Allowed. - Due Diligence Vendor-07/17/2026 Open-Borrower 1 Business Bank Statements Missing Loan was qualified using 12 months of Bank statement - All 12 months are missing from the Loan file. - Due Diligence Vendor-07/15/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-07/21/2026 |
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 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More 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 - 16.86 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.19 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 - 35.50 Years |
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 | 10251135 | |||||
| 4000139283 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-07-15 09:38 | 2026-07-16 09:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Lender exceptions for tradelines and cashout refinance
for vacant property. - Due Diligence
Vendor-07/16/2026 Ready for Review-Please see attached - Due Diligence Vendor-07/15/2026 Open-Please resend lender exception for vacant property and tradelines. the current exception on page 274 is blank and doesn't identify the borrower or loan. - Due Diligence Vendor-07/15/2026 |
Waived-Lender exceptions for tradelines and cashout refinance
for vacant property. - Due Diligence
Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 28.73% Is Below The Guideline Maximum Of 75%
By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Low LTV High FICO score subject mortgage pay history 0 x 30 x 44 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10261343 | |||
| 4000139283 | D | B | D | B | A | A | A | A | Closed | FCRE1162 | 2026-07-15 00:14 | 2026-07-16 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-07/16/2026 Ready for Review-Please see attached - Due Diligence Vendor-07/15/2026 Open-Flood Certificate is Partially Provided Please resend, part of cert only printed boxes not letters, this also applied to title commitment. - Due Diligence Vendor-07/15/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-07/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 28.73% Is Below The Guideline Maximum Of 75%
By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 3 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 | 10249527 | ||||
| 4000134095 | 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 | ||||||||||||||||||||
| 4000137983 | 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 | ||||||||||||||||||||
| 4000137156 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136723 | 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 | ||||||||||||||||||||
| 4000137278 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000138101 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-07-15 02:34 | 2026-07-17 05:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-docs provided - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. LLC docs attached. Thank you. - Seller-07/15/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing equivalent, Certificate of good standing in file - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. LLC docs attached. Thank
you. - Seller-07/15/2026 |
Resolved-docs provided - Due Diligence Vendor-07/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 26.44 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10251129 | |||
| 4000137268 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000138279 | 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 | ||||||||||||||||||||
| 4000136727 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-07-15 02:26 | 2026-07-20 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-07/20/2026 Ready for Review-Hello team, please see attached flood cert for subject property, please waive this condition, thank you. - Due Diligence Vendor-07/17/2026 Open-Missing Flood Certificate Evidence a Flood Determination Certificate for the subject property located at xxx . The Flood Determination Certificate is missing from the loan file. Additional conditions may apply upon review. - Due Diligence Vendor-07/15/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-07/20/2026 |
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 -
20.00 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 0.09 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 39.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% 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 22.21 Are Greater Than The Guideline Minimum Of 0 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 | Purchase | NA | N/A | N/A | 10251067 | ||||
| 4000136727 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-07-15 03:04 | 2026-07-20 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided
or Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-07/20/2026 Ready for Review-Hello team, please see attached public listing and VVOE for borrower 2, please waive this condition, thank you. - Due Diligence Vendor-07/17/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Evidence an updated third-party VVOE for B1 with xxx . Per GL, employment must be verified within 10 business days of the xxx Note date. The required VVOE is missing. Additional conditions may apply upon review. - Due Diligence Vendor-07/15/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided
or Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-07/20/2026 |
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 -
20.00 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 0.09 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 39.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% 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 22.21 Are Greater Than The Guideline Minimum Of 0 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 | Purchase | NA | N/A | N/A | 10251588 | ||||
| 4000138305 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-16 08:07 | 2026-07-20 12:11 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/17/2026 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-07/16/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 |
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 0.22 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 34.33% 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 | 10287997 | ||||
| 4000138267 | D | A | D | A | C | A | A | A | Closed | FCRE1491 | 2026-07-15 19:28 | 2026-07-21 20:11 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Does Not Meet Guideline
Requirements - Due Diligence Vendor-07/22/2026 Ready for Review-Please see the attached gift letter and receipt already provided in the closing pkg. Could you please waive the condition? - Due Diligence Vendor-07/21/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Provide missing proof of stated gift funds used to close in the amount of xxx - Due Diligence Vendor-07/15/2026 |
Resolved-Asset Qualification Does Not Meet Guideline
Requirements - Due Diligence Vendor-07/22/2026 |
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 0.0 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.79% 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 | 10277090 | ||||
| 4000138267 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-07-16 08:26 | 2026-07-20 15:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/20/2026 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-07/16/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 |
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 0.0 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.79% 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 | 10288319 | ||||
| 4000131644 | 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 | ||||||||||||||||||||
| 4000133759 | 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 | ||||||||||||||||||||
| 4000134652 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-07-15 10:12 | 2026-07-17 15:17 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-07/17/2026 Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Hello team, please see PCCD and final settlement statement reflecting updated dates, please waive this condition, thank you. - Due Diligence Vendor-07/16/2026 Open-******* Borrower executed documents on xxx . Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-Received PCCD - Due Diligence Vendor-07/17/2026 |
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 0.12 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.07% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10262121 | ||||
| 4000134652 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2026-07-15 08:03 | 2026-07-17 11:25 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-PCCD provided. - Due Diligence Vendor-07/17/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/17/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close of xxx . Borrower's verified assets of xxx meets the required funds to close, please waive this condition, thank you. - Due Diligence Vendor-07/16/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Evidence sufficient verified assets to close. Audit Review identified a xxx asset shortage, with verified liquid assets of xxx compared to cash to close of xxx . Additional conditions may apply upon review. - Due Diligence Vendor-07/15/2026 |
Resolved-PCCD provided. - Due Diligence Vendor-07/17/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/17/2026 |
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 0.12 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.07% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10258895 | ||||
| 4000137186 | 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 | ||||||||||||||||||||
| 4000139064 | 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 | ||||||||||||||||||||
| 4000135626 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-07-15 06:44 | 2026-07-20 14:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-07/20/2026 Ready for Review-APPRL - Due Diligence Vendor-07/18/2026 Open-Appraisal is Missing The appraisal was not located in the loan file. Please provide a copy for review. - Due Diligence Vendor-07/15/2026 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-07/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Validated 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 83.93 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 | 10256920 | ||||
| 4000138070 | 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 | ||||||||||||||||||||
| 4000138473 | 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 | ||||||||||||||||||||
| 4000134825 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136941 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-07-15 15:01 | 2026-07-28 11:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 Resolved- - Due Diligence Vendor-07/28/2026 Ready for Review-LE with COC for appsl fee & ICD with COC for rate lock - Due Diligence Vendor-07/27/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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 . Rate dependent charge changes subject to 0% tolerance total xxx . A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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 charges have been increased: Appraisal Fee 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 COC and copy of refund check and proof of mailing. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.91% Is Less Than The Guideline Maximum Of 55% 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 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 20.95 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 - 21.00 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 - 11.30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10270537 | ||||
| 4000136941 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2026-07-15 15:01 | 2026-07-28 11:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 Resolved- - Due Diligence Vendor-07/28/2026 Ready for Review-LE with COC for appsl fee & ICD with COC for rate lock - Due Diligence Vendor-07/27/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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 . Rate dependent charge changes subject to 0% tolerance total xxx . A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.91% Is Less Than The Guideline Maximum Of 55% 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 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 20.95 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 - 21.00 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 - 11.30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10270538 | ||||
| 4000136941 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2026-07-15 15:01 | 2026-07-28 11:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 Resolved- - Due Diligence Vendor-07/28/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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 . Rate dependent charge changes subject to 0% tolerance total xxx . A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-**Received revised LE - Due Diligence
Vendor-07/28/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.91% Is Less Than The Guideline Maximum Of 55% 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 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 20.95 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 - 21.00 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 - 11.30 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10270539 | |||||
| 4000136941 | D | A | D | A | C | A | A | A | Closed | FCRE1201 | 2026-07-15 00:33 | 2026-07-28 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/28/2026 Ready for Review-Fraud - Due Diligence Vendor-07/27/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/15/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/28/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.91% Is Less Than The Guideline Maximum Of 55% 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 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 20.95 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 - 21.00 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 - 11.30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10249975 | ||||
| 4000132048 | 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 | ||||||||||||||||||||
| 4000131728 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-07-15 12:25 | 2026-07-28 12:04 | 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-07/28/2026 Ready for Review-HOI - Due Diligence Vendor-07/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/15/2026 |
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-07/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.45 Are Greater Than The Guideline Minimum Of 8.21 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 | Second Home | Purchase | NA | N/A | N/A | 10265705 | ||||
| 4000131728 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-07-15 17:30 | 2026-07-28 10:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 Ready for Review-LE with COC for appsl fee - Due Diligence Vendor-07/27/2026 Open-The following charges have been either added or increased: Appraisal Fee 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-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.45 Are Greater Than The Guideline Minimum Of 8.21 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 | Second Home | Purchase | NA | N/A | N/A | 10275475 | ||||
| 4000131728 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2026-07-15 17:30 | 2026-07-28 10:46 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 Ready for Review-LE with COC for appsl fee - Due Diligence Vendor-07/27/2026 Open-The following charges have been either added or increased: Appraisal Fee 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-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 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-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.45 Are Greater Than The Guideline Minimum Of 8.21 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 | Second Home | Purchase | NA | N/A | N/A | 10275473 | ||||
| 4000131728 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-07-15 17:30 | 2026-07-28 10:46 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 Open-The following charges have been either added or increased: Appraisal Fee 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-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 |
Resolved-***Received revised LE and COC - Due Diligence
Vendor-07/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.45 Are Greater Than The Guideline Minimum Of 8.21 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10275474 | |||||
| 4000137354 | 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 | ||||||||||||||||||||
| 4000136427 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131760 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136634 | 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 | ||||||||||||||||||||
| 4000138299 | 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 | ||||||||||||||||||||
| 4000137356 | 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 | ||||||||||||||||||||
| 4000136728 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135340 | 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 | ||||||||||||||||||||
| 4000137829 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137035 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135636 | D | A | D | A | A | A | A | A | Closed | FCRE1824 | 2026-07-16 14:33 | 2026-07-28 10:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Personal Financial Statement Missing | Resolved-xxx statement
provided confirming xxx month
payment. - Due Diligence
Vendor-07/28/2026 Ready for Review-xxx - Due Diligence Vendor-07/27/2026 Open-Provide xxx card statement for account xxx that shows monthly payment of xxx or less. - Due Diligence Vendor-07/16/2026 |
Resolved-xxx statement
provided confirming xxx month
payment. - Due Diligence
Vendor-07/28/2026 |
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 - 14.50 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 0.17 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.64 Are Greater Than The Guideline Minimum Of 21 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 - 15.00 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 | 10296293 | ||||
| 4000136725 | 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 | ||||||||||||||||||||
| 4000136938 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-07-16 13:16 | 2026-07-23 05:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Docs provided - Due Diligence Vendor-07/23/2026 Ready for Review-please see attached - Due Diligence Vendor-07/22/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide Articles of Organization for xxx as required per guidelines. - Due Diligence Vendor-07/16/2026 |
Resolved-Docs provided - Due Diligence Vendor-07/23/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10294656 | ||||
| 4000135246 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136176 | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-07-16 13:27 | 2026-07-20 10:52 | 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 PCCD - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. - Seller-07/17/2026 Open-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. ***** Final CD shows the Electronic Document Delivery fee was paid to the Lender - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. - Seller-07/17/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 75% 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 40.82% Is Less Than The Guideline Maximum Of 50% 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 0.0 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 |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10294869 | |||
| 4000135236 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000137472 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000134803 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136687 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138277 | 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 | ||||||||||||||||||||
| 4000139216 | 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 | ||||||||||||||||||||
| 4000138307 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-07-16 19:05 | 2026-07-20 15:01 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-**Received acceptable executed xxx Per Diem Disclosure - Due Diligence
Vendor-07/20/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/20/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx ) exceeds the per diem interest charge or credit threshold (xxx ).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Disbursement date of xxx . Section F per diem interest (xxx to xxx ) exceeds the one-day allowable limit by xxx . To comply with California Civil Code § 2948.5, a disclosure confirming that the borrower affirmatively requested, and the lender agreed, for disbursement to occur on a Monday or on the day immediately following a bank holiday has not been provided. - Due Diligence Vendor-07/17/2026 Open- - Due Diligence Vendor-07/16/2026 |
Resolved-**Received acceptable executed xxx Per Diem Disclosure - Due Diligence
Vendor-07/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.11% Is Less Than The Guideline
Maximum Of 50% 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 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months 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 - 8.83 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 0.03 |
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 | 10305809 | ||||
| 4000138307 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-17 14:22 | 2026-07-20 14:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation the application date - Due
Diligence Vendor-07/20/2026 Ready for Review-Please see attached! Thank you! - Due Diligence Vendor-07/20/2026 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-07/17/2026 |
Resolved-**Received confirmation the application date - Due
Diligence Vendor-07/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.11% Is Less Than The Guideline
Maximum Of 50% 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 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months 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 - 8.83 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 0.03 |
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 | 10329792 | ||||
| 4000139215 | D | A | C | A | D | A | A | A | Closed | FCRE7000 | 2026-07-16 08:54 | 2026-07-21 12:43 | 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-07/21/2026 Ready for Review-Total Cash to close must be reviewed upon PCCD and FSS, xxx . Total Cash to Close xxx mentioned refers to Final CD. Please also find attached FSS verifying the Secured Borrowed Funds of xxx from concurrent file xxx . - Due Diligence Vendor-07/20/2026 Open-Per PCCD CTC is xxx - however Final 1003 & Bank statement in the Loan file reflects verified assets to be xxx - Loan is short cash to close by xxx - Due Diligence Vendor-07/17/2026 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-07/16/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-07/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 56.6% Is Below The Guideline Maximum Of 80%
By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.48% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10288702 | ||||
| 4000139215 | D | A | C | A | D | A | A | A | Closed | FCOM1262 | 2026-07-16 14:29 | 2026-07-20 15:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided **Received - Due
Diligence Vendor-07/20/2026 Ready for Review-Please find attached - Due Diligence Vendor-07/20/2026 Open-Right of Rescission is Missing - Due Diligence Vendor-07/17/2026 |
Resolved-Right of Rescission is Provided **Received - Due
Diligence Vendor-07/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 56.6% Is Below The Guideline Maximum Of 80%
By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.48% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10296235 | ||||
| 4000138170 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133158 | 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 | ||||||||||||||||||||
| 4000134928 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136047 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-07-16 18:39 | 2026-07-21 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-FCD provided - Due Diligence Vendor-07/21/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/21/2026 Ready for Review-CD from Refi documenting cash out proceeds - Due Diligence Vendor-07/21/2026 Open-Asset 3 Missing Missing proceeds from sale of home for xxx . - Due Diligence Vendor-07/16/2026 |
Resolved-FCD provided - Due Diligence Vendor-07/21/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/21/2026 |
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 - 18.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.9 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 | Purchase | NA | N/A | N/A | 10304875 | ||||
| 4000136675 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137431 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-07-16 11:48 | 2026-07-28 14:05 | 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-07/28/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-07/28/2026 Counter-Subject Loan is a Primary Missing PCCD - Due Diligence Vendor-07/27/2026 Ready for Review-Please see the attached FSS and EOI to confirm the date - Due Diligence Vendor-07/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/16/2026 |
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-07/28/2026 |
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 -
10.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.41 Are Greater Than The Guideline Minimum Of 4 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 0.01 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 - 10.39 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
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 | 10292575 | ||||
| 4000137431 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-07-17 13:31 | 2026-07-27 13:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-07/27/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-07/27/2026 Open-Borrower executed documents on xxx , after Final Closing Disclosure Disbursement date of xxx . Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-07/17/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-07/27/2026 |
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 -
10.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.41 Are Greater Than The Guideline Minimum Of 4 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 0.01 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 - 10.39 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
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 | 10327641 | ||||
| 4000137431 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-16 21:37 | 2026-07-20 14:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received clarification of the application date - Due
Diligence Vendor-07/20/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/20/2026 Open-Need clarification of Application date xxx . - Due Diligence Vendor-07/17/2026 |
Resolved-**Received clarification of the application date - Due
Diligence Vendor-07/20/2026 |
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 -
10.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.41 Are Greater Than The Guideline Minimum Of 4 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 0.01 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 - 10.39 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
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 | 10309710 | ||||
| 4000136928 | 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 | ||||||||||||||||||||
| 4000136453 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-16 03:46 | 2026-07-27 07:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.22 are greater than or equal to
Guideline Required Reserves of 3 - Due Diligence Vendor-07/27/2026 Ready for Review-xxx used for reserves - Due Diligence Vendor-07/24/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Missing xxx Exchange used for cash to close/closing costs from Loan docs - Due Diligence Vendor-07/16/2026 |
Resolved-Audited Reserves of 6.22 are greater than or equal to
Guideline Required Reserves of 3 - Due Diligence Vendor-07/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 60% 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 - 17.83 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10281487 | ||||
| 4000136453 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-16 04:10 | 2026-07-27 07:37 | 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-07/27/2026 Ready for Review-xxx funds wired to Title - Due Diligence Vendor-07/24/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx . Missing xxx Exchange used for cash to close/closing costs from Loan docs - Due Diligence Vendor-07/16/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-07/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 60% 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 - 17.83 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10281646 | ||||
| 4000137765 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-07-17 15:19 | 2026-07-28 14:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 51.22% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-07/28/2026 Ready for Review-Rebuttal with updated 1008/1003 - Due Diligence Vendor-07/28/2026 Open-Audited DTI of 51.22% exceeds Guideline DTI of 50% There are several income calculators in the file that all seem to conflict with each other. Based on diligence data, using a 15% expense ratio, xxx was alotted to each borrower and then we grossed up SS earnings. Loan was locked 42.72% - Due Diligence Vendor-07/17/2026 |
Resolved-Audited DTI of 51.22% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-07/28/2026 |
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 - 24.54 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 - 45.17 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 - 24.54 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 0.24 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.94% Is Less Than The Guideline Maximum Of 55% 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 - 25.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.87 Are Greater Than The Guideline Minimum Of 8 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 | 10333050 | ||||
| 4000137461 | 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 | ||||||||||||||||||||
| 4000136283 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-07-16 23:10 | 2026-07-29 12:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-updated Appraisal stating solar is owned provided - Due Diligence Vendor-07/29/2026 Ready for Review-Hello team, please see attached lender's certification clarifying the revised appraisal report, thank you. - Due Diligence Vendor-07/28/2026 Counter-Document Uploaded. The Appraisal states Solar is leased - Due Diligence Vendor-07/27/2026 Ready for Review-Hello team, please see updated appraisal report, specifically page 10, reflecting updates on solar panels, thank you. - Due Diligence Vendor-07/27/2026 Counter-Appraisal notes several places solar is leased, photo shows box stamped XXX . Please provide any further lease payment details. - Due Diligence Vendor-07/21/2026 Ready for Review-Hello team, regarding this condition, solar is not on title so solar is not leased, please advise, thank you. - Due Diligence Vendor-07/17/2026 Open-Evidence the monthly solar panel lease payment for the subject property and update the liabilities and qualifying housing expense as applicable. Additional conditions may apply upon review. - Due Diligence Vendor-07/17/2026 |
Resolved-updated Appraisal stating solar is owned provided - Due Diligence Vendor-07/29/2026 |
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 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.08 |
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 | 10309992 | ||||
| 4000135620 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138513 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138384 | 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 | ||||||||||||||||||||
| 4000136528 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139378 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-16 07:20 | 2026-07-23 13:27 | 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-07/23/2026 Ready for Review-Please review LOX and REO doc. - Due Diligence Vendor-07/23/2026 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxx xxx - Due Diligence Vendor-07/16/2026 |
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 | 10287345 | ||||||
| 4000139378 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-07-16 03:16 | 2026-07-23 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-07/23/2026 Ready for Review-Please review final ALTA settlement statement. - Due Diligence Vendor-07/22/2026 Open-Asset 3 Missing - Net Proceed Sale xxx for property xxx - Due Diligence Vendor-07/16/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-07/23/2026 |
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 | 10281236 | |||||
| 4000136074 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-07-16 03:34 | 2026-07-27 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD, Note (dated xxx) for the purchase of new
investment property located at xxx provided
- Due Diligence Vendor-07/27/2026 Ready for Review-FCD and Note for REO - Due Diligence Vendor-07/27/2026 Open-The borrower disclosed a mortgage obligation on the REO property located at xxx (Account No. xxx) with xxx, reflecting a monthly payment of xxx. The corresponding mortgage statement was not located in the loan file. - Due Diligence Vendor-07/16/2026 |
Resolved-Final CD, Note (dated xxx ) for the purchase of new
investment property located at xxx
provided - Due Diligence
Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 18.00
Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 142.06 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 | 10281405 | ||||
| 4000136074 | D | A | D | A | A | A | A | A | Closed | FCRE1203 | 2026-07-16 03:07 | 2026-07-27 12:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved
or None Exists - Due Diligence Vendor-07/27/2026 Ready for Review-Fraud report items addressed - Due Diligence Vendor-07/27/2026 Open-Potential Fraud Reflected on Fraud Report The Fraud Report reflects a Fraud Risk Score of xxx (High Risk), indicating potential fraud risk. Review and resolution of the associated fraud alerts should be documented in the loan file, as applicable. - Due Diligence Vendor-07/16/2026 |
Resolved-Potential Fraud Reflected on Fraud Report is Resolved
or None Exists - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 18.00
Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 142.06 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 | 10281173 | ||||
| 4000137938 | 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 | ||||||||||||||||||||
| 4000131190 | 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 | ||||||||||||||||||||
| 4000138750 | D | A | A | A | D | A | A | A | Closed | FCOM3596 | 2026-07-16 16:16 | 2026-07-20 08:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-Rerecorded DOT with PPP Rider provided - Due Diligence Vendor-07/20/2026 Ready for Review-Please see attached complete recorded DOT - Due Diligence Vendor-07/17/2026 Open-Prepayment rider missing in the whole package - Due Diligence Vendor-07/16/2026 |
Resolved-Rerecorded DOT with PPP Rider provided - Due Diligence Vendor-07/20/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 7.00 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10298713 | ||||
| 4000139728 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-17 17:06 | 2026-07-20 15:14 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/20/2026 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-07/17/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/20/2026 |
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 -
15.18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.74 Are Greater Than The Guideline Minimum Of 0 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 0.14 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 - 15.18 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.91% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% 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 | 10335945 | ||||
| 4000138169 | 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 | ||||||||||||||||||||
| 4000136034 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138146 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137251 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000138467 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134268 | 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 | ||||||||||||||||||||
| 4000136556 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137606 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-20 09:05 | 2026-07-22 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Documentation provided showing borrower not owner of
requested property. - Due Diligence
Vendor-07/22/2026 Ready for Review-Hello team, please see attached of the warranty deed showing the borrower is not in the title we don't count the tax and insurance for non-subject property. Please waive condition. Thank you. - Due Diligence Vendor-07/21/2026 Open-Evidence the monthly HOI and HOA obligations for the REO property located at xxx, as documentation is missing. Additional conditions may apply upon review. - Due Diligence Vendor-07/20/2026 |
Resolved-Documentation provided showing borrower not owner of
requested property. - Due Diligence
Vendor-07/22/2026 |
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 0.03 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 41.42% 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 22.27 Are Greater Than The Guideline Minimum Of 4 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 | Purchase | NA | N/A | N/A | 10349176 | ||||
| 4000137606 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-07-20 09:07 | 2026-07-22 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Lender provided pages showing solar functions as
utility bill. - Due Diligence
Vendor-07/22/2026 Ready for Review-Hello team! Please see attached of the solar agreement showing it's PPA and you're charged based on how much is produced, it can be excluded from DTI. This part can be found on page 8 of the document. Please help to waive the condition. Thank you. - Due Diligence Vendor-07/21/2026 Open-Evidence the terms of the assumed solar lease, including the monthly payment obligation, as the appraisal and Sales Contract indicate the solar system is leased and will be assumed by B1. Additional conditions may apply upon review. - Due Diligence Vendor-07/20/2026 |
Resolved-Lender provided pages showing solar functions as
utility bill. - Due Diligence
Vendor-07/22/2026 |
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 0.03 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 41.42% 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 22.27 Are Greater Than The Guideline Minimum Of 4 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 | Purchase | NA | N/A | N/A | 10349226 | ||||
| 4000139940 | 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 | ||||||||||||||||||||
| 4000134926 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135970 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138314 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-07-17 14:58 | 2026-07-22 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Docs provided - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. - Buyer-07/21/2026 Open-The final Closing Disclosure is included in the document; however, it is not clearly legible. Please provide a clear, readable copy of the final Closing Disclosure, as well as legible copies of the Note and Mortgage. - Due Diligence Vendor-07/17/2026 |
Resolved-Docs provided - Due Diligence Vendor-07/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10331905 | ||||
| 4000136558 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139944 | 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 | ||||||||||||||||||||
| 4000137246 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138370 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138118 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-07-20 07:29 | 2026-07-23 05:57 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-07/23/2026 Ready for Review-please see attached - Due Diligence Vendor-07/22/2026 Open-Appraisal is Missing . Provide Full Appraisal for Subject Property Located at xxx. Missing in file. - Due Diligence Vendor-07/20/2026 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-07/23/2026 |
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 36.45 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10347550 | ||||
| 4000135517 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-20 15:07 | 2026-07-21 15:21 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/21/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/21/2026 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-07/20/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/21/2026 |
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 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More 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 - 13.32 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 - 13.32 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 720 By Twenty (20) or More Points |
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 | 10359363 | ||||
| 4000136925 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-07-20 08:46 | 2026-07-22 15:58 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Ready for Review-Hello Team, the loan is funded on xxx and
disbursed on xxx so the xxx per diem is passed. Please waive condition, thank
you - Due Diligence Vendor-07/21/2026 Resolved-**Received PCCD - Due Diligence Vendor-07/21/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-07/21/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx ) exceeds the per diem interest charge or credit threshold (xxx ).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-07/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.6% Is Less Than The Guideline
Maximum Of 50% 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 |
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 | 10348764 | |||||
| 4000136925 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-20 13:16 | 2026-07-21 11:13 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-07/21/2026 Resolved- - Due Diligence Vendor-07/21/2026 Ready for Review-Hello Team, please see attached of the Post Consummation Closing Disclosure and final settlement statement showing the loan funded on xxx and disbursement on xxx. Thank you! - Due Diligence Vendor-07/20/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-07/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.6% Is Less Than The Guideline
Maximum Of 50% 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 |
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 | 10356390 | ||||
| 4000135399 | C | A | C | A | C | A | A | A | Closed | FCRE1169 | 2026-07-20 02:11 | 2026-07-22 12:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of xxx is prior to or
equal to the Note Date of xxx Or Flood Insurance Effective Date Is Not
Provided - Due Diligence Vendor-07/22/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/22/2026 Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx hoa insurance provided - Due Diligence Vendor-07/20/2026 |
Resolved-Flood Insurance Effective Date of xxx is prior to or equal to the Note Date of
xxx Or Flood Insurance Effective Date
Is Not Provided - Due Diligence Vendor-07/22/2026 |
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 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 0.05 |
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 | 10342506 | ||||
| 4000135399 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-07-20 13:53 | 2026-07-21 12:26 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-received PCCD - Due Diligence Vendor-07/21/2026 Ready for Review-Here is the POST CD. - Due Diligence Vendor-07/21/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-07/20/2026 |
Resolved-received PCCD - Due Diligence Vendor-07/21/2026 |
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 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 0.05 |
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 | 10357478 | ||||
| 4000135399 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-07-20 10:19 | 2026-07-21 12:17 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Received PCCD - Due Diligence Vendor-07/21/2026 Resolved- - Due Diligence Vendor-07/21/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/21/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the California Per Diem Disclosure for review - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Received PCCD - Due Diligence Vendor-07/21/2026 |
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 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 0.05 |
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 | 10350734 | ||||
| 4000135399 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-20 13:55 | 2026-07-21 11:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/21/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/21/2026 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-07/20/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/21/2026 |
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 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 0.05 |
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 | 10357541 | ||||
| 4000139056 | 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 | ||||||||||||||||||||
| 4000138939 | 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 | ||||||||||||||||||||
| 4000139952 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-20 02:24 | 2026-07-22 11:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Extra account, updated 1003/1008 provided. - Due Diligence Vendor-07/22/2026 Resolved-Audited Reserves of 9.36 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/22/2026 Ready for Review-Please find attached updated 1008/1003 & assets to support the amount in assets. - Due Diligence Vendor-07/22/2026 Counter-1003 only shows a business account with xxx and a gift from son of xxx which is the amount needed for closing.(XXX seen on initial 1003 was left off final 1003) Please provide additional assets to show needed reserves. Please update final 1003 to reflect those assets. Thanks (additionally the XXX printouts don't ID the account or owners) - Due Diligence Vendor-07/22/2026 Ready for Review-Gift funds xxx is used for the cash to close. Remaining asset xxx covers the required reserves xxx (PITIA 6months). Please waive the condition. - Due Diligence Vendor-07/21/2026 Open-Audited Reserves of 1.66 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/20/2026 |
Resolved-Extra account, updated 1003/1008 provided. - Due Diligence Vendor-07/22/2026 Resolved-Audited Reserves of 9.36 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/22/2026 |
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 -
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 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 0.15 |
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 | 10342618 | ||||
| 4000135489 | 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 | ||||||||||||||||||||
| 4000138144 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000136444 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135638 | 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 | ||||||||||||||||||||
| 4000139949 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-07-20 01:54 | 2026-07-23 15:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- - Due Diligence Vendor-07/23/2026 Ready for Review-Please see the attached certified FSS & POST CD reflecting disbursement date xxx. Thank you! - Due Diligence Vendor-07/23/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-07/20/2026 |
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 600 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 - 10.00 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 | 10342370 | |||||
| 4000138404 | 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 | ||||||||||||||||||||
| 4000133937 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138166 | 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 | ||||||||||||||||||||
| 4000136722 | 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 | ||||||||||||||||||||
| 4000135254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138516 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138761 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-07-20 14:35 | 2026-07-21 09:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence
Vendor-07/21/2026 Ready for Review-This is a DSCR loan and the initial 1003 is not required - attached is what we have on file for the initial. - Due Diligence Vendor-07/20/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-07/20/2026 |
Resolved-The Initial 1003 is Present - Due Diligence
Vendor-07/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 49.98% Is Below The Guideline Maximum Of 70%
By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.53 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 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10358536 | ||||
| 4000134667 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139622 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000140255 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-21 13:16 | 2026-07-22 16:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received confirmation of the application date - Due
Diligence Vendor-07/22/2026 Ready for Review-Please find audit log in LOS for application date. - Due Diligence Vendor-07/22/2026 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-07/21/2026 |
Resolved-***received confirmation of the application date - Due
Diligence Vendor-07/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 18.02% 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 - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.87% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 10382717 | ||||
| 4000140255 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-07-21 01:26 | 2026-07-22 12:39 | 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-07/22/2026 Ready for Review-Attached is EOI for xxx - xxx which covers the disbursement date for xxx. EOI included in the closing package is xxx. - Due Diligence Vendor-07/22/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Updated as per document. - Due Diligence Vendor-07/21/2026 |
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-07/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 18.02% 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 - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.87% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 10368901 | ||||
| 4000138174 | 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 | ||||||||||||||||||||
| 4000135602 | 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 | ||||||||||||||||||||
| 4000134586 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139101 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-21 17:16 | 2026-07-22 16:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/22/2026 Ready for Review-Please find attached LOS log audit - Due Diligence Vendor-07/22/2026 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-07/21/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More
Years At Current Job - 6.53 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 39.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
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 | 10388456 | ||||
| 4000140257 | 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 | ||||||||||||||||||||
| 4000139109 | 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 | ||||||||||||||||||||
| 4000138297 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-07-21 23:18 | 2026-07-24 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx property is Free & Clear, no HOI (property
report provided) and xxx is
escrowed - Due Diligence
Vendor-07/24/2026 Ready for Review-Hello team, please see attached lender's cert clarifying the HOI for both xxx and xxx non-subject properties, please waive this condition, thank you. - Due Diligence Vendor-07/23/2026 Open-Evidence current Hazard Insurance (HOI) for the REO properties located at xxx and xxx., and provide documentation supporting the monthly HOA dues, if applicable. Additional conditions may apply upon review. - Due Diligence Vendor-07/22/2026 |
Resolved-xxx property is
Free & Clear, no HOI (property report provided) and xxx
is escrowed - Due Diligence
Vendor-07/24/2026 |
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 - 19.45 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.97 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 - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.23% 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 - 9.00 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 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10392697 | ||||
| 4000139124 | 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 | ||||||||||||||||||||
| 4000136689 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 07:56 | 2026-07-23 07:56 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
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 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 - 6.50 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 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.14% 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 - 5 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 | 10398300 | ||||
| 4000139113 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-07-21 06:55 | 2026-07-23 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-07/23/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing Valid Drivers License and/or Signed US Patriot Act form - Due Diligence Vendor-07/21/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-07/23/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 410.55 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 | Purchase | NA | N/A | N/A | 10372912 | ||||
| 4000138162 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 08:38 | 2026-07-23 07:54 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
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 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.67% 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 - 16.00 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 18.18% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 10398830 | ||||
| 4000136721 | 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 | ||||||||||||||||||||
| 4000138163 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-07-21 06:57 | 2026-07-23 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached EOI. Thank you! - Due Diligence Vendor-07/23/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/21/2026 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-07/23/2026 |
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 31.63% 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 46.47 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 | 10372926 | ||||
| 4000140285 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 08:10 | 2026-07-23 07:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
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 36.17% 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 - 13.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.53 Are Greater Than The Guideline Minimum Of 0 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 | Second Home | Purchase | NA | N/A | N/A | 10398438 | ||||
| 4000136010 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140260 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-07-22 09:39 | 2026-07-23 14:50 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence
Vendor-07/23/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/23/2026 Open-Property Title Issue Provide last transaction date deed dated xxx for the subject property titled under business xxx not on title or in file. - Due Diligence Vendor-07/22/2026 |
Resolved-Property Title Issue Resolved - Due Diligence
Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 92.08 Are Greater Than The Guideline
Minimum Of 2 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.64% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10400067 | ||||
| 4000138296 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-21 02:37 | 2026-07-23 07:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-07/23/2026 Open-Need clarification of Application date xxx.*****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-07/21/2026 |
Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years
Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.94% 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 | 10369608 | ||||
| 4000134936 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138218 | 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 | ||||||||||||||||||||
| 4000140283 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139651 | 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 | ||||||||||||||||||||
| 4000138598 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140676 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-07-22 19:17 | 2026-07-23 08:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-**Received COC - Due Diligence Vendor-07/23/2026 Ready for Review-Please see the attached COC already included in the closing package pg. 306. Could you please waive the condition? - Due Diligence Vendor-07/23/2026 Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the 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 curative, specific &/or general Lender Credit(s) have been either reduced or removed, with no evidence of any type of change of circumstance event pursuant to § 1026.19(e)(3)(iv). , resulting in a 0% tolerance violation in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. 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-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 |
Resolved-**Received COC - Due Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - validated Months Reserves Of 35.4 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 - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.95% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 10415403 | ||||
| 4000140676 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 18:55 | 2026-07-23 07:59 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-***received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - validated Months Reserves Of 35.4 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 - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.95% Is Below The Guideline Maximum Of 80% 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 | Refinance | Cash Out - Other | N/A | N/A | 10414962 | ||||
| 4000135523 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-07-22 03:03 | 2026-07-27 14:36 | 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-07/27/2026 Ready for Review-Please see attached - Due Diligence Vendor-07/27/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/22/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-07/27/2026 |
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 0.05 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 - 13.00 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 - 12.74 Years 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 46.33 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 | 10393993 | ||||
| 4000135523 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-22 03:26 | 2026-07-27 08:45 | 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-07/27/2026 Ready for Review-Please see attached - Due Diligence Vendor-07/24/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/22/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-07/27/2026 |
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 0.05 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 - 13.00 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 - 12.74 Years 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 46.33 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 | 10394155 | ||||
| 4000136601 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133748 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139432 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000137404 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000138444 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-07-21 23:11 | 2026-07-23 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Doc received - Due Diligence Vendor-07/23/2026 Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Borrower is an Independent Contractor, not a business owned. This is not a valid deficency. - Seller-07/22/2026 Open-Borrower 1 CPA Letter Missing Provide CPA Letter for verify the proof of have borrower own this business. - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. Borrower is an Independent
Contractor, not a business owned. This is not a valid deficency. -
Seller-07/22/2026 |
Resolved-Doc received - Due Diligence Vendor-07/23/2026 Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 11.97 Are Greater Than The Guideline
Minimum Of 3 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 - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.64% Is Less Than The Guideline Maximum Of 55% 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 - 21.50 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.99% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10392691 | |||
| 4000139115 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-07-21 23:33 | 2026-07-24 12:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.05 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-07/24/2026 Ready for Review-I am providing the missing bank statement. With this added, it appears the reserve requirement is met. Please confirm. - Due Diligence Vendor-07/24/2026 Counter-Using the PCCD the borrower is still short of 4 mos (PITIA) reserves by part of a month. Please provide additional assets or lender exception. - Due Diligence Vendor-07/23/2026 Ready for Review-If you review the Cash to Borrower shown on the Post CD, the refund amount is xxx. Adding this amount more than satisfies the required reserve. Kindly review this once more and waive the condition. - Due Diligence Vendor-07/23/2026 Open-Audited Reserves of 3.93 are less than Guideline Required Reserves of 4 Audited Reserves of 3.94 are less than Guideline Required Reserves of 4 months. BR short reserves of less than xxx. Provide documentation to support required reserves - Due Diligence Vendor-07/22/2026 |
Resolved-Audited Reserves of 4.05 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-07/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.77 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
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 | 10392750 | ||||
| 4000139115 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 16:03 | 2026-07-23 07:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see attached!! thank you!! - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.77 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
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 | 10411952 | ||||
| 4000136433 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134263 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140606 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 19:01 | 2026-07-23 07:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.26 Are Greater Than The Guideline Minimum Of 4 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 0.05 |
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 | 10415201 | ||||
| 4000140630 | D | A | D | A | C | A | A | A | Closed | FCRE1333 | 2026-07-22 01:58 | 2026-07-23 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence
Vendor-07/23/2026 Ready for Review-Please see the attached WVOE. Thank you! - Due Diligence Vendor-07/23/2026 Open-Borrower 1 WVOE Missing WVOE INCOME DOCUMENT MISSING - Due Diligence Vendor-07/22/2026 |
Resolved-Borrower 1 WVOE Resolved - Due Diligence
Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 96.63 Are Greater Than The Guideline
Minimum Of 0 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 - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.55% 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 - 19.00 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 | 10393496 | ||||
| 4000140630 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-07-22 18:13 | 2026-07-23 07:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-07/23/2026 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-07/22/2026 |
Resolved-received confirmation of the application date - Due
Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 96.63 Are Greater Than The Guideline
Minimum Of 0 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 - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.55% 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 - 19.00 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 | 10414537 | ||||
| 4000140687 | 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 | ||||||||||||||||||||
| 4000140734 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 16:31 | 2026-07-24 07:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/24/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.14% 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 660 By Twenty (20) or More Points |
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 | 10436852 | ||||
| 4000140611 | 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 | ||||||||||||||||||||
| 4000140682 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-07-22 00:51 | 2026-07-28 14:18 | 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-07/28/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/28/2026 Counter-Subject Loan is a Primary residence - Missing PCCD - Due Diligence Vendor-07/27/2026 Ready for Review-Please find attached FSS, disbursement date certified as xxx. EOI policy effective date is xxx - xxx - Due Diligence Vendor-07/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Updated as per the Document - Due Diligence Vendor-07/22/2026 |
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-07/28/2026 |
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 0.1 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 - 7.28 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% 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 | 10393022 | ||||
| 4000140682 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 12:19 | 2026-07-27 15:48 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**received confirmation of the application date. - Due
Diligence Vendor-07/27/2026 Ready for Review-Please find attached - Due Diligence Vendor-07/27/2026 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-07/23/2026 |
Resolved-**received confirmation of the application date. - Due
Diligence Vendor-07/27/2026 |
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 0.1 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 - 7.28 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.22% 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 | 10431034 | ||||
| 4000140626 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 18:32 | 2026-07-24 08:06 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 |
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 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 0.08 |
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 | 10438545 | ||||
| 4000139104 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 16:50 | 2026-07-24 08:06 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.07% 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 26.69 Are Greater Than The Guideline Minimum Of 0 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 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.04 |
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 | 10437295 | ||||
| 4000138293 | 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 | ||||||||||||||||||||
| 4000140614 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 13:01 | 2026-07-27 15:29 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/27/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-07/27/2026 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-07/23/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.41% Is Less Than The Guideline
Maximum Of 45% 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 - 18.00 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 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 0.11 |
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 | 10431798 | ||||
| 4000140614 | C | A | C | A | C | A | A | A | Closed | FCRE1204 | 2026-07-22 02:01 | 2026-07-27 11:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None
Exist - Due Diligence Vendor-07/27/2026 Ready for Review-In accordance with the recommendation under FM_046, a comprehensive fraud review was completed. Please refer to the updated Fraud Report, which reflects that all Red Alert findings have been reviewed and are now marked as Cleared (Explained). - Due Diligence Vendor-07/27/2026 Open-Fraud Report Shows Uncleared Alerts This loan scored in the range xxx or higher, with an above average risk of fraud, increasing as the score increases. In the 800-899 range, risk is 3X and 900-999 it is up to 10X. (FM_046) Purchase transaction with multiple high risk factors (FM_066) XXXXX XXXX - Suspicious sale. Borrower's last name matches Loan Actor (Broker Loan Processor) for this transaction. (IDP_067) xxx - Potential undisclosed REO. (IDP_068) xxx - Low probability that the subject property will be owner occupied. Borrower currently owns one or more properties with a value that is 5% greater than the subject property value. (OCC_003) xxx - Borrower owns one or more properties with a higher value or size than the declared owner occupied property (RDS_005) Combination of income and occupation increases likelihood of inflated income. (FM_019) - Due Diligence Vendor-07/22/2026 |
Resolved-All Fraud Report Alerts have been cleared or None
Exist - Due Diligence Vendor-07/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.41% Is Less Than The Guideline
Maximum Of 45% 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 - 18.00 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 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 0.11 |
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 | 10393519 | ||||
| 4000138292 | C | A | A | A | C | A | A | A | Closed | FCOM3527 | 2026-07-23 01:23 | 2026-07-29 11:41 | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-**Received PCCD with all pages - Due Diligence
Vendor-07/29/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/28/2026 Open-****PCCD dated xxx 5th page (loan calculation) is missing. - Due Diligence Vendor-07/23/2026 |
Resolved-**Received PCCD with all pages - Due Diligence
Vendor-07/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 24.15% 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 | 10418705 | ||||
| 4000138292 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 15:21 | 2026-07-27 15:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/27/2026 Ready for Review-Here you are. - Due Diligence Vendor-07/27/2026 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-07/23/2026 |
Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 24.15% 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 | 10435499 | ||||
| 4000140709 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 15:39 | 2026-07-24 08:09 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 Ready for Review-Please see attached :) Thank you!! - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 36.17% Is Below The Guideline Maximum Of 80%
By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.59% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
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 | 10435929 | ||||
| 4000135711 | D | A | A | A | D | A | C | A | Closed | FCOM1511 | 2026-07-23 17:15 | 2026-07-28 11:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Seller executed WD provided, thank you - Due Diligence
Vendor-07/28/2026 Ready for Review-recorded Deed - day after disbursement HI - Due Diligence Vendor-07/27/2026 Open-Unable to verify the date of Seller Document Execution. Please Provide Seller dated CD; Notarized Vesting Deed; other title provided documentation, to validate the borrowers disbursement/per Diem interest charges align with seller consummation. - Due Diligence Vendor-07/23/2026 |
Resolved-Seller executed WD provided, thank you - Due Diligence
Vendor-07/28/2026 |
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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.82% 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 963.57 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 | Purchase | NA | N/A | N/A | 10437695 | ||||
| 4000138042 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140653 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-07-22 01:48 | 2026-07-27 08:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/27/2026 Ready for Review-1003 - Due Diligence Vendor-07/27/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-07/23/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By
Ten Percent (10%) 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 0.03 |
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 | 10393409 | ||||
| 4000140653 | D | A | A | A | D | A | A | A | Closed | FCOM1621 | 2026-07-22 15:57 | 2026-07-24 08:10 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved
***Received IEAD - Due Diligence Vendor-07/24/2026 Ready for Review-Please find attached - Due Diligence Vendor-07/24/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-07/23/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved
***Received IEAD - Due Diligence Vendor-07/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By
Ten Percent (10%) 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 0.03 |
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 | 10411807 | ||||
| 4000140653 | D | A | A | A | D | A | A | A | Closed | FCOM7353 | 2026-07-23 17:56 | 2026-07-24 08:09 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 Ready for Review-Please find attached. - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-07/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent
(10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By
Ten Percent (10%) 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 0.03 |
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 | 10438256 | ||||
| 4000140645 | B | A | A | A | B | A | A | A | Closed | FCOM3075 | 2026-07-22 07:20 | 2026-07-24 08:33 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | US Patriot Act Disclosure or ID missing or unexecuted | Resolved-temporarily extended driver's license provided - Due
Diligence Vendor-07/24/2026 Ready for Review-Please review the temporarily extended driver's license (DL) and clear the condition accordingly. Thank you! - Due Diligence Vendor-07/24/2026 Open-USA PATRIOT ACT is expired. USA PATRIOT ACT pg no-129. - Due Diligence Vendor-07/22/2026 |
Resolved-temporarily extended driver's license provided - Due
Diligence Vendor-07/24/2026 |
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 - 18.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.08 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 - 23.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.04% 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 - 20.00 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10397954 | ||||
| 4000140683 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-22 02:02 | 2026-07-24 12:12 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/24/2026 Ready for Review-Please see the attached 1008 - Due Diligence Vendor-07/24/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/22/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-07/24/2026 |
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 0.13 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 - 10.00 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 - 5.21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.49% Is Less Than The Guideline Maximum Of 50% 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 660 By Twenty (20) or More Points |
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 | 10393529 | ||||
| 4000138108 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-07-22 05:17 | 2026-07-28 07:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/28/2026 Ready for Review-final 1003 attached - Due Diligence Vendor-07/27/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-07/22/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-07/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 64.77 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 740 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 - 8 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10394743 | ||||
| 4000137691 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138652 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136104 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140405 | 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 | ||||||||||||||||||||
| 4000136648 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134270 | 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 | ||||||||||||||||||||
| 4000138215 | 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 | ||||||||||||||||||||
| 4000139437 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000137397 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-23 01:19 | 2026-07-24 08:54 | 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-07/24/2026 Ready for Review-This deficiency is erroneous, please rescind. -per xxx: this is a non-qm loan and credit refreshes are not required for non-qm - Seller-07/23/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/23/2026 |
Ready for Review-This deficiency is erroneous, please rescind.
-per xxx UW: this is a non-qm loan and credit refreshes are not required for
non-qm - Seller-07/23/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-07/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 162.13 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 55% 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 660 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 0.03 |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10418667 | ||||
| 4000137912 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140618 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 16:12 | 2026-07-24 07:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-07/24/2026 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-07/23/2026 |
Resolved-***Received confirmation of the application date. -
Due Diligence Vendor-07/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More
Years At Current Job - 14.89 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 48.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.89 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 37.74% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 27.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
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 | 10436550 | ||||
| 4000140659 | 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 | ||||||||||||||||||||
| 4000140675 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-24 10:35 | 2026-07-29 13:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved- - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-07/29/2026 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-07/24/2026 |
Please see attached - 07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - validated Months Reserves Of 10.25 Are Greater Than The
Guideline Minimum Of 4 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
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 | 10449302 | ||||
| 4000140715 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-23 06:29 | 2026-07-27 16:01 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**received confirmation of the application date. - Due
Diligence Vendor-07/27/2026 Ready for Review-Please see attached! Thank you! - Due Diligence Vendor-07/27/2026 Open-Need clarification of Application date xxx.*****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-07/23/2026 |
Resolved-**received confirmation of the application date. - Due
Diligence Vendor-07/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 10.78 Are Greater Than The Guideline
Minimum Of 4 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 - 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 660 By Twenty (20) or More Points |
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 | 10422277 | ||||
| 4000136535 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-23 01:15 | 2026-07-27 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/27/2026 Ready for Review-Please see attached. - Due Diligence Vendor-07/27/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/23/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 31.41 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 - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% 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 - 20.00 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 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.03 |
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 | 10418624 | ||||
| 4000139989 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139308 | 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 | ||||||||||||||||||||
| 4000133863 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 4000136275 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-07-27 11:30 | 2026-07-27 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-07/27/2026 Ready for Review-Permanent Resident Alien Card front and back. - Due Diligence Vendor-07/27/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing Permanent Resident Alien Card as 1003 is marked Permanent Resident Alien. - Due Diligence Vendor-07/27/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-07/27/2026 |
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 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10470521 | ||||
| 4000136129 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138107 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137479 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000140254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137097 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138053 | 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 | ||||||||||||||||||||
| 4000137464 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137358 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-27 01:21 | 2026-07-29 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/29/2026 Ready for Review-Please see attached. - Due Diligence Vendor-07/28/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/27/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-07/29/2026 |
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 660 By Twenty (20) or More Points 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 - 6.28 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.09% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% 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 | 10463064 | ||||
| 4000138581 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000137793 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-07-27 21:31 | 2026-07-30 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-LOX and Cert of Title provided for xxx - The property
is a mobile home with a permanent foundation - Property is Free and
Clear - Due Diligence
Vendor-07/30/2026 Ready for Review-Hello Team, please see attached and help waive condition. Thank you! - Due Diligence Vendor-07/29/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide the most recent 12-month payment history from xxx for xxx. Additional conditions may apply upon review. - Due Diligence Vendor-07/28/2026 |
Resolved-LOX and Cert of Title provided for xxx - The property is a mobile home with a
permanent foundation - Property is Free and Clear - Due Diligence Vendor-07/30/2026 |
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 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 |
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 | 10481252 | ||||
| 4000140699 | 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 | ||||||||||||||||||||
| 4000140696 | 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 | ||||||||||||||||||||
| 4000138050 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139112 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-07-27 12:34 | 2026-07-29 15:31 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**received PCCD - Due Diligence Vendor-07/29/2026 Ready for Review-Upon review, it appears that the incorrect document was included under this loan number. It seems there was an error when creating the package, which resulted in another file's Post CD being included by mistake. Please review the correct Post CD and clear the condition accordingly. Thank you. - Due Diligence Vendor-07/29/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-07/28/2026 Open- - Due Diligence Vendor-07/28/2026 Open- - Due Diligence Vendor-07/27/2026 Open- - Due Diligence Vendor-07/27/2026 |
Resolved-**received PCCD - Due Diligence Vendor-07/29/2026 |
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 -
15.67 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 660 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 - 6.51 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10471528 | ||||
| 4000139112 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-07-28 15:25 | 2026-07-29 14:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/29/2026 Ready for Review-Please see attached! Thank you!! - Due Diligence Vendor-07/29/2026 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-07/28/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-07/29/2026 |
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 -
15.67 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 660 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 - 6.51 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.23% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10498587 | ||||
| 4000135819 | D | B | D | B | A | A | A | A | Closed | FCRE1815 | 2026-07-28 06:00 | 2026-07-30 13:58 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Waived-Document Uploaded.
- Due Diligence Vendor-07/30/2026 Waived-Exception granted with supporting comp factors: Exception approved for xxx entity with -xxx and with noted comp factors - Due Diligence Vendor-07/29/2026 Ready for Review-lender approved exception attched - Due Diligence Vendor-07/28/2026 Open-Missing Lender Approved Exception - Due Diligence Vendor-07/28/2026 Waived-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Exception approved for xxx entity with -.xxx and with noted comp factors - Due Diligence Vendor-07/28/2026 |
Waived-Document Uploaded.
- Due Diligence Vendor-07/30/2026 Waived-Exception granted with supporting comp factors: Exception approved for layered entity with -.xxx and with noted comp factors - Due Diligence Vendor-07/29/2026 Waived-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Exception approved for layered entity with -xxx and with noted comp factors - Due Diligence Vendor-07/28/2026 |
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 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
DSCR R/T Refinance transaction at 69% LTV, xxx FICO, 1.40 DSCR ratio and over 30 months reserves. |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 10485496 | |||
| 4000135819 | D | B | D | B | A | A | A | A | Closed | FCRE9959 | 2026-07-27 03:16 | 2026-07-29 09:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-07/29/2026 Ready for Review-cd - Due Diligence Vendor-07/28/2026 Open-Missing Final Settlement Statement/equivalent Provide Missing Final Settlement Statement/equivalent for the subject property - Due Diligence Vendor-07/27/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-07/29/2026 |
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 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.66 Are Greater Than The Guideline Minimum Of 3 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 | 10463844 | ||||
| 4000138394 | 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 | ||||||||||||||||||||
| 4000139424 | C | A | C | A | A | A | A | A | Closed | FCRE1294 | 2026-07-29 10:03 | 2026-08-07 13:15 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. - Seller-08/06/2026 Counter-Final CD is not signed and page 2 reflects no taxes or HOI being paid at the time of closing as it is a purchase. Unable to determine the accuracy of the Property taxes and HOI without the Tax cet and HOI Policy - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Counter-Missing Tax Cert, HOI & HOA (if applicable) as the new loan is not escrowed. - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. UW submitted rebuttal/explanation that second did not close concurrently. Provide a copy of Note, unsigned Final CD and 1st payment letter. Closing schedule for xxx - Seller-07/30/2026 Counter-Document Uploaded. Apologies for the confusion, the Final 1003 reflects investment property xxx. This Lien is not listed on the xxx and appears to be a new loan- Missing Note, First payment Letter, (if not escrowed) Tax Cert, HOI and HOA (if applicable) - Due Diligence Vendor-07/30/2026 Ready for Review-This is erroneous. No income given for this property. Please clear. Thank you. - Seller-07/29/2026 Open-Income 3 Months Income Verified is Missing missing REO document for xxx - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. - Seller-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Ready for Review-Document Uploaded. UW submitted rebuttal/explanation that second did not close concurrently. Provide a copy of Note, unsigned Final CD and 1st payment letter. Closing schedule for xxx - Seller-07/30/2026 Ready for Review-This is erroneous. No income given for this property. Please clear. Thank you. - Seller-07/29/2026 |
Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-08/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 3.26% 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 51.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 - 5.76 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 At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10511978 | |||
| 4000139438 | C | A | C | A | A | A | A | A | Closed | FCRE1108 | 2026-08-03 03:48 | 2026-08-10 13:08 | Resolved | 1 - Information | C | A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Calculated Initial P&I Payment Amount matches
Initial Payment Amount or is within xxx variance. - Due Diligence
Vendor-08/10/2026 Ready for Review-This deficiency is erroneous. P&I payment calculation for years 1-10 matches Note of PI payment of xxx - match exactly. - Seller-08/06/2026 Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds xxx) Interest & portion of principal 120 mo step payment. - Due Diligence Vendor-08/03/2026 |
Ready for Review-This deficiency is erroneous. P&I payment
calculation for years 1-10 matches Note of PI payment of xxx - match exactly.
- Seller-08/06/2026 |
Resolved-Calculated Initial P&I Payment Amount matches
Initial Payment Amount or is within xxx
variance. - Due Diligence Vendor-08/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.62% Is Less Than The Guideline
Maximum Of 55% 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 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.37 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 720 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 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 - 15.00 Years |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10586787 | ||||
| 4000137259 | D | A | A | A | D | A | A | A | Closed | finding-3540 | 2026-08-04 07:45 | 2026-08-06 12:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-**Received FCD and explanation - Due Diligence
Vendor-08/06/2026 Ready for Review-Document Uploaded. -per xxx Closer: The final CD is uploaded. The borrower dated it on the xxx because funding was pushed out to the xxx waiting for docs to be overnighted. - Seller-08/04/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday 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 revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. **** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/04/2026 Open- - Due Diligence Vendor-08/04/2026 Open- - Due Diligence Vendor-08/04/2026 |
Ready for Review-Document Uploaded. -per xxx Closer: The final
CD is uploaded. The borrower dated it on the xxx because funding was pushed
out to the xxx waiting for docs to be overnighted. - Seller-08/04/2026 |
Resolved-**Received FCD and explanation - Due Diligence
Vendor-08/06/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.16% Is Less Than The Guideline Maximum Of 55% 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 740 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 - 18.73 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 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 - 19.00 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10613474 | |||
| 4000137259 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-08-03 14:11 | 2026-08-06 12:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due
Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. -per xxx Closer: The final CD is uploaded. The borrower dated it on the xxx because funding was pushed out to the xxx waiting for docs to be overnighted. - Seller-08/04/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. -per xxx Closer: The final
CD is uploaded. The borrower dated it on the xxx because funding was pushed
out to the xxx waiting for docs to be overnighted. - Seller-08/04/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due
Diligence Vendor-08/06/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.16% Is Less Than The Guideline Maximum Of 55% 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 740 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 - 18.73 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 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 - 19.00 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 10600114 | |||
| 4000140975 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000137288 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000140969 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000139620 | C | A | C | A | A | A | A | A | Closed | FCRE1108 | 2026-08-04 21:57 | 2026-08-10 13:05 | Resolved | 1 - Information | C | A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Calculated Initial P&I Payment Amount matches
Initial Payment Amount or is within xxx variance. - Due Diligence
Vendor-08/10/2026 Ready for Review-This deficiency is erroneous. Principal & Interest portion of payment is xxx on both Note and Closing Disclosure - match exactly. - Seller-08/06/2026 Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds xxx) step pmt - Due Diligence Vendor-08/05/2026 |
Ready for Review-This deficiency is erroneous. Principal &
Interest portion of payment is xxx on both Note and Closing Disclosure -
match exactly. - Seller-08/06/2026 |
Resolved-Calculated Initial P&I Payment Amount matches
Initial Payment Amount or is within xxx
variance. - Due Diligence Vendor-08/10/2026 |
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 0.16 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 % Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 405.21 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 720 By Twenty (20) or More Points |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10629317 | ||||
| 4000141103 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000141087 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000142360 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000141079 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000142229 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000141042 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135250 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000134140 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000138103 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000141049 | D | A | C | A | D | A | A | A | Closed | finding-3540 | 2026-08-10 10:33 | 2026-08-11 17:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-***Received FCD - Due Diligence Vendor-08/11/2026 Resolved- - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. FCD attached. Thank you. - Seller-08/10/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/10/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday 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 revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-08/10/2026 Open- - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. FCD attached. Thank you. -
Seller-08/10/2026 |
Resolved-***Received FCD - Due Diligence Vendor-08/11/2026 |
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 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 31.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 394.86 Are Greater Than The Guideline Minimum Of 0 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10708889 | |||
| 4000141049 | D | A | C | A | D | A | A | A | Closed | finding-3617 | 2026-08-10 10:33 | 2026-08-11 17:20 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-***Received FCD - Due Diligence Vendor-08/11/2026 Resolved- - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. - Seller-08/10/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/10/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-08/10/2026 Open- - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. - Seller-08/10/2026 |
Resolved-***Received FCD - Due Diligence Vendor-08/11/2026 |
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 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 31.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 394.86 Are Greater Than The Guideline Minimum Of 0 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10708890 | |||
| 4000141049 | D | A | C | A | D | A | A | A | Closed | FCOM1544 | 2026-08-07 14:03 | 2026-08-11 16:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due
Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. FCD attached. - Seller-08/10/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/10/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. FCD attached. - Seller-08/10/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due
Diligence Vendor-08/11/2026 |
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 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 31.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 394.86 Are Greater Than The Guideline Minimum Of 0 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10691147 | |||
| 4000141049 | D | A | C | A | D | A | A | A | Closed | FCOM1220 | 2026-08-07 05:45 | 2026-08-11 08:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-mortgage provided - Due Diligence Vendor-08/11/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. - Seller-08/10/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. - Seller-08/10/2026 |
Resolved-mortgage provided - Due Diligence Vendor-08/11/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/11/2026 |
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 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 31.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 394.86 Are Greater Than The Guideline Minimum Of 0 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10679148 | |||
| 4000141049 | D | A | C | A | D | A | A | A | Closed | FCRE1159 | 2026-08-07 06:14 | 2026-08-11 08:01 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD shows xxx disbursement - Due Diligence
Vendor-08/11/2026 Ready for Review-Document Uploaded. - Seller-08/10/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. - Seller-08/10/2026 |
Resolved-PCCD shows xxx
disbursement - Due Diligence Vendor-08/11/2026 |
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 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 31.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 394.86 Are Greater Than The Guideline Minimum Of 0 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10680550 | |||
| 4000142371 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000139466 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-08-10 21:26 | 2026-08-12 08:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725883 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM1229 | 2026-08-10 21:47 | 2026-08-12 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-doc provided - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-doc provided - Due Diligence Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10726112 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM9281 | 2026-08-10 22:19 | 2026-08-12 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Condo PUD rider is missing | Resolved-doc provided - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open- - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-doc provided - Due Diligence Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10727762 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2026-08-10 21:47 | 2026-08-12 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Provided - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-PUD Rider is Missing - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-Provided - Due Diligence Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10726111 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM3596 | 2026-08-10 22:16 | 2026-08-12 08:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-docs provided - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-Prepayment rider is missing - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-docs provided - Due Diligence Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10727761 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM1220 | 2026-08-10 21:02 | 2026-08-12 08:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725787 | |||
| 4000142345 | D | A | D | A | D | A | A | A | Closed | FCOM5454 | 2026-08-11 14:21 | 2026-08-12 08:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved-signed note provided - Due Diligence Vendor-08/12/2026
Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-The Final Note provided in file is unexecuted. Provide final signed copy. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-signed note provided - Due Diligence
Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.00 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10745821 | |||
| 4000142324 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000142328 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000138447 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-08-10 00:12 | 2026-08-12 11:16 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Disbursement of xxx - Due Diligence Vendor-08/12/2026
Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-Disbursement of xxx
- Due Diligence Vendor-08/12/2026 |
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 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 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.81% Is Less Than The Guideline Maximum Of 55% 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 |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10700886 | |||
| 4000142228 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124507 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000142350 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000140988 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA |