Exhibit 99.04 Schedule 1

 

Loan Number Seller Loan Number Alt Loan ID Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
4000136121 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY ATR/QM Exempt Loan Review Complete 07/02/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137726 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM Exempt Loan Review Complete 07/09/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136119 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM Exempt Loan Review Complete 07/09/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137723 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM Exempt Loan Review Complete 07/09/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136122 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM Exempt Loan Review Complete 07/17/2026 Resolved XXXXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for: XXX XXX: No OA confirmation 7/23/2026 XXX: No OA confirmed New Jersey 07/23/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139621 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM Exempt Loan Review Complete 07/21/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139675 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139574 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139599 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXXXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX to XXX XXX: WD 7/24/2026 XXX: Deed received 07/24/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000141282 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AZ ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXXXX Credit Background Check Missing or Defective Missing Background Check for borrower: XXX XXX: Fraud 7/28/2026 XXX: Fraud received 07/28/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139567 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY ATR/QM Exempt Loan Review Complete 07/29/2026 Resolved XXXXX Property Desk Review Variance > 10% Appraisal Review variance of XXX% > XXX% maximum allowed. XXX: Updated CU score 7/30/2026 XXX: Received updated CU score 07/30/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137229 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH ATR/QM Exempt Loan Review Complete 07/31/2026 Acknowledged XXXXX Property Desk Review Variance > 10% Appraisal Review variance of XXX% > XXX% maximum allowed. XXX: Exception waiver 8/3/2026 XXX: Exception waiver received 08/03/2026 6 months reserves greater than program requirement, lower appraised value passes, fico 751 C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
4000139589 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CT ATR/QM Exempt Loan Review Complete 08/03/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135808 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM Exempt Loan Review Complete 03/12/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119664 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 03/23/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 03/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119738 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 04/16/2026 Cleared XXXXX Property Appraisal Review - Missing Missing appraisal review for subject property: XXX XX/XX/XXXX: CDA   XXX: Received 04/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000128539 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 05/11/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 05/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127040 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 05/11/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 05/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129569 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IL ATR/QM: Exempt Closed 05/13/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127050 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MD ATR/QM: Exempt Closed 05/26/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 05/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126579 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC ATR/QM: Exempt Closed 05/27/2026 Acknowledged XXXXX Property Ineligible Property Ineligible property, zoning reflects mixed use which is ineligible per guidelines. XX/XX/XXXX: CRSE   XXX: Waived 06/09/2026 FICO 803, DSCR 1.08, LTV 75% C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
4000128397 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IL ATR/QM: Exempt Closed 05/28/2026 Cleared XXXXX Credit Note Missing or Defective The XXX in file is not allowed per guidelines. For the State of XXX the max prepayment is XXX% for 1st year, XXX% for 2nd year and XXX% for 3rd year. The XXX months interest for XXX months PPP in file is not allowed per guidelines. XX/XX/XXXX: Prepayment addendum   XXX: Received 06/18/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000128881 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Credit Non-Occupant Borrower Requirements Not Met The Certificate of Trust in file for The XXX Trust, is unexecuted. Please provide an updated Certificate of Trust executed by both borrowers. XX/XX/XXXX: Certificate of Trust   XXX: Received 07/22/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126553 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CO ATR/QM: Exempt Closed 06/05/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127483 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AZ ATR/QM: Exempt Closed 06/09/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127707 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Closed 06/11/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130236 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC ATR/QM: Exempt Closed 06/11/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130453 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 06/16/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133972 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 06/18/2026 Cleared XXXXX Credit Excessive LTV Ratio Audit LTV of 75% does not align with client LTV value of XXX%. Loan amount $XXX/ Purchase Price XXX Please opine. XX/XX/XXXX/: CRSE   XXX: Received 07/09/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130569 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH ATR/QM: Exempt Closed 06/17/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129909 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 06/17/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133512 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 06/19/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130395 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 06/19/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133503 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/19/2026 Cleared XXXXX Property Appraisal Review - Missing Missing appraisal review for subject property: XXX. XX/XX/XXXX: CDA   XXX: Received 06/29/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130590 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 06/22/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137977 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OK ATR/QM: Exempt Closed 06/22/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130658 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 06/23/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135086 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 06/23/2026 Cleared XXXXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing closing disclosure (HUD) for subject property: XXX. XX/XX/XXXX: HUD   XXX: Received 06/29/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131770 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 06/23/2026 Cleared XXXXX Credit Closing Documentation Missing or Defective Missing business purpose affidavit. XX/XX/XXXX: Business purpose affidavit   XXX: Received 06/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000134066 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX ID ATR/QM: Exempt Closed 06/29/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135103 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO ATR/QM: Exempt Closed 06/29/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000118164 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MD ATR/QM: Exempt Closed 06/30/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 06/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136500 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MI ATR/QM: Exempt Closed 07/01/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133280 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 07/01/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000134992 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN ATR/QM: Exempt Closed 07/02/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/02/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133630 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX WA ATR/QM: Exempt Closed 07/08/2026 Cleared XXXXX Property Subject Property Lease - Missing or Defective Missing XXX months rent receipts to use XXX as qualifying rent. XX/XX/XXXX: Lease+ rents   XXX: Received 07/21/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135337 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX DC ATR/QM: Exempt Closed 07/07/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136527 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 07/08/2026 Acknowledged XXXXX Credit Minimum Credit Score Requirement Not Met XXX < XXX minimum Fico score required per guidelines. XX/XX/XXXX: CRSE   XXX: Waived 07/08/2026 DSCR 1.17, LTV 43.20%, 20.71 months reserves B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000136832 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH ATR/QM: Exempt Closed 07/06/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136093 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 07/08/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133526 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 07/10/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135407 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 07/10/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137046 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN ATR/QM: Exempt Closed 07/10/2026 Cleared XXXXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Closing Disclosure (HUD) for subject property: XXX. XX/XX/XXXX: CDA   XXX: Received 07/13/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135121 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CT ATR/QM: Exempt Closed 07/13/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. XX/XX/XXXX: Informational   XXX: Informational 07/13/2026   C B A A C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000136536 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH ATR/QM: Exempt Closed 07/14/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000139901 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 07/14/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137953 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 07/14/2026 Cleared XXXXX Credit Flood Insurance Missing or Defective Flood insurance in file for Subject Property: XXX is missing policy number. XX/XX/XXXX: Informational   XXX: Informational 07/14/2026   D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133620 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MD ATR/QM: Exempt Closed 07/10/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135121 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CT ATR/QM: Exempt Closed 07/13/2026 Acknowledged XXXXX Credit Excessive LTV Ratio 80% LTV > XXX% maximum allowed per guidelines for short term rental purchase transaction utilizing projected revenue from XXX for annual rent. XX/XX/XXXX: CRSE   XXX: Waived 07/24/2026 DSCR 1.38, Fico 722, 45.90 months reserves C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
4000137953 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 07/14/2026 Cleared XXXXX Credit Credit Event – Requirement Not Met Missing tax documentation in file to verify the XXX annual property taxes used in the DSCR calculation. Tax certificate in file reflects XXX annual county and XXX annual city taxes. XX/XX/XXXX: Updated CRSE   XXX: Received 07/24/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000134873 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Closed 07/17/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000134155 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN ATR/QM: Exempt Closed 07/17/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137661 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 07/22/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000141714 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NM ATR/QM: Exempt Closed 07/23/2026 Cleared XXXXX Property Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. XX/XX/XXXX: Informational   XXX: Informational 07/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000138029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 07/27/2026 Cleared XXXXX Credit Credit Event – Requirement Not Met Missing tax documentation in file to verify the XXX annual property taxes used in the DSCR calculation. Title in file reflects XXX annual taxes. XX/XX/XXXX: Tax LOE   XXX: Received 07/28/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000140588 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 08/12/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 08/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136600 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 08/14/2026 Cleared XXXXX No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear   XXX: Clear 08/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000111262 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 01/23/2026 Cleared XXXXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED From XXX And XXX to XXX And XXX XXX: Uploaded   XXX: Received 02/06/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000124356 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 04/23/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       04/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000124355 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 04/24/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       04/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000125140 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 05/08/2026 Cleared XXXXX Credit Insufficient Assets for Reserves Insufficient Reserves: Reserve requirement not met. Reserves of XXX < XXX Months Minimum required XXX: Assets uploaded   XXX: Assets uploaded 06/04/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000125140 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 05/08/2026 Cleared XXXXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for XXX to verify funds in XXX account XXX. XXX: CPA Letter uploaded   XXX: CPA Letter received 05/28/2026   C A A A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000125140 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 05/08/2026 Cleared XXXXX Credit Title Insurance Missing or Defective Title Insurance on file reflects "XXX". Please update to reflect "XXX". XXX: Title uploaded   XXX: Title received 05/13/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126892 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 05/14/2026 Cleared XXXXX Credit Significant Derogatory Credit Event – Requirement Not Met Pre-Foreclosure dated XX/XX/XXXX XXX: Credit supplement uploaded   XXX: Credit supplement received 05/18/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126892 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 05/14/2026 Cleared XXXXX Credit Title Insurance Coverage - Inadequate Coverage Title Insurance Coverage of XXX < XXX Minimum required XXX: Title Uploaded   XXX: Title Received 05/20/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129994 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Closed 05/26/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective Missing Hazard insurance for the subject property : XXX XXX: HOI uploaded   XXX: HOI received 06/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000128786 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 05/26/2026 Cleared XXXXX Credit Entity Documentation - Missing or Defective Missing operating agreement for "XXX" or "XXX" to verify assets in XXX Account XXX XXX: Entity docs uploaded   XXX: Entity docs received 06/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129848 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 05/28/2026 Cleared XXXXX Property Appraisal Missing or Defective Missing Appraisal for the subject property :XXX XXX: Appraisal uploaded   XXX: Appraisal received 06/02/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129848 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 05/28/2026 Cleared XXXXX Credit Title Insurance Missing or Defective Missing Evidence of Preliminary Title Insurance. Supplement on file does not reflect the vesting or eState type. XXX: Title uploaded   XXX: Title received 06/02/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131224 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Closed 06/03/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131222 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 06/03/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131714 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/03/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129995 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129621 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Property Appraisal Missing or Defective Appraisal reflects assignment type as a "Refinance Transaction" but it is a Purchase. Please provide updated Appraisal XXX: Appraisal Uploaded   XXX: Appraisal Received 06/11/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129621 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective The hazard insurance file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance to reflect ISAOA for proper compliance. XXX: HOI uploaded   XXX: HOI received 06/15/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126890 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective Hazard Insurance on file expired on XX/XX/XXXX and does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance. XXX: HOI uploaded   XXX: HOI received 06/12/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132216 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AZ ATR/QM: Exempt Closed 06/04/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132032 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 06/05/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132031 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IL ATR/QM: Exempt Closed 06/08/2026 Cleared XXXXX Credit Flood Insurance Missing or Defective Missing Flood Insurance for the Subject Property : XXX XXX: Flood Insurance Uploaded   XXX: Flood Insurance Received 07/20/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132031 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IL ATR/QM: Exempt Closed 06/08/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective The hazard insurance file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance to reflect ISAOA for proper compliance. XXX: HOI uploaded   XXX: HOI received 06/24/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000126891 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA ATR/QM: Exempt Closed 06/08/2026 Cleared XXXXX Credit Guarantor Identification Missing or Defective Missing Borrower ID for XXX and XXX XXX: ID uploaded   XXX: ID received 06/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132593 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NC ATR/QM: Exempt Closed 06/08/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127141 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX WA ATR/QM: Exempt Closed 06/08/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132215 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 06/09/2026 Cleared XXXXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED From XXX and XXX to XXX XXX: Deed uploaded   XXX: Deed received 06/18/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132033 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/09/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000119836 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX WA ATR/QM: Exempt Closed 06/10/2026 Cleared XXXXX Credit Insufficient Assets for Reserves Insufficient Reserves: Reserve requirement not met. Reserves of XXX < XXX Months Minimum required. XXX: Asset uploaded   XXX: Asset received 06/15/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129305 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 06/11/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000129620 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/11/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132589 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IL ATR/QM: Exempt Closed 06/16/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132464 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 06/23/2026 Cleared XXXXX Credit Sales Contract Missing or Defective Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. XXX: PA uploaded   XXX: PA received 06/24/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132465 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NV ATR/QM: Exempt Closed 06/22/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132466 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NV ATR/QM: Exempt Closed 06/22/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000132467 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NV ATR/QM: Exempt Closed 06/22/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133926 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NJ ATR/QM: Exempt Closed 06/23/2026 Cleared XXXXX Credit Insufficient Assets for Reserves XXX of XXX < XXX Months Minimum Required. XXX: Asset clarification uploaded   XXX: Asset clarification received 07/06/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133740 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/24/2026 Cleared XXXXX Credit Closing Protection Letter Missing or Defective Missing Evidence of Closing Protection Letter. XXX: CPL uploaded   XXX: CPL received 06/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133560 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX WA ATR/QM: Exempt Closed 06/24/2026 Cleared XXXXX Credit Closing Protection Letter Missing or Defective Missing Evidence of Closing Protection Letter. XXX: CPL uploaded   XXX: CPL received 06/25/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131712 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/25/2026 Cleared XXXXX Credit Closing Protection Letter Missing or Defective Missing Evidence of Closing Protection Letter. XXX: CPL uploaded   XXX: CPL received 06/29/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000131712 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/25/2026 Cleared XXXXX Credit Title Insurance Missing or Defective Preliminary Title on file does not reflect lending entity, XXX. XXX: Title uploaded   XXX: Title received 06/26/2026   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133165 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 06/25/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       06/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133559 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 06/30/2026 Cleared XXXXX Credit Hazard Insurance Missing or Defective The hazard insurance file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance to reflect ISAOA for proper compliance. XXX: HOI uploaded   XXX: HOI received 07/06/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133559 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Closed 06/30/2026 Cleared XXXXX Credit DSCR Minimum Not Met DSCR of XXX is < XXX Minimum Required. XXX Lease Rent / XXX PITIA = XXX DSCR XXX: Lease uploaded   XXX: Lease received 07/06/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000124286 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Closed 07/06/2026 Cleared XXXXX Credit Significant Derogatory Credit Event – Requirement Not Met Foreclosure dated XX/XX/XXXX for property: XXX XX/XX/XXXX XXX: Property Profile Report Uploaded   XXX: Property Profile Report Received 07/27/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135947 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX ID ATR/QM: Exempt Closed 07/07/2026 Cleared XXXXX Credit Subject Property Lease - Missing or Defective Missing lease for subject property : XXX XXX: Lease Uploaded   XXX: Lease Received 07/15/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000133925 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX WA ATR/QM: Exempt Closed 07/09/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       07/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137116 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MA ATR/QM: Exempt Closed 07/20/2026 Cleared XXXXX Credit No Findings This Loan Meets All Applicable Guidelines       07/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130794 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Loan Review Complete 04/06/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/08/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740. A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130794 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Loan Review Complete 04/07/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/08/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740. A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000130794 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX PA ATR/QM: Exempt Loan Review Complete 04/07/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/08/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740. A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000122158 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/21/2026 Resolved XXXXX Credit Purchase Contract is Expired The Purchase Contract is expired. Please provide a signed Purchase Contract Extension to XX/XX/XXXX. Document Uploaded. Uploaded email from escrow agent stating an extension was not required. She provided highlighted sections of the contract as well. 04/23/2026 Settlement Agent confirmed delay due to buydown/credit negotiations, therefore, extension not required. Condition cleared. 04/23/2026 Qualifying DTI below max allowed. - Calculated DTI of 36.12% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 2.05 years on job.		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000122158 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/20/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 04/22/2026 Qualifying DTI below max allowed. - Calculated DTI of 36.12% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 2.05 years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000122158 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/21/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 04/22/2026 Qualifying DTI below max allowed. - Calculated DTI of 36.12% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 2.05 years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000127263 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXXXX Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property For the property at XXX, the mortgage Statement and HOA fee documentation are missing; therefore, the required documents must be provided for verification Document Uploaded. HOA dues are on the cd 05/07/2026 CD for the new primary residence on XXX received and confirms PITIA of XXX used to qualify. Condition cleared. 05/08/2026 Borrower has stable job time - Borrower has 4.33 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 80%		 D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127263 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 05/06/2026 Borrower has stable job time - Borrower has 4.33 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 80%		 D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127263 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 05/06/2026 Borrower has stable job time - Borrower has 4.33 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 80%		 D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000127555 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/03/2026 Borrower has stable job time - Borrower has 5.22 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000127555 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/03/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/03/2026 Borrower has stable job time - Borrower has 5.22 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000127555 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/03/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/03/2026 Borrower has stable job time - Borrower has 5.22 years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000124895 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/03/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 2.35 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 680.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000124895 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/03/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 2.35 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 680.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000124895 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/03/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80%

Borrower has stable job time - Borrower has 2.35 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 680.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000130582 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/10/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 06/12/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 4.03 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000130582 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/11/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 06/12/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 4.03 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000130582 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/11/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 06/12/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 4.03 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000129195 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/12/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000129195 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000129195 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX LA Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/12/2026 Resolved XXXXX Credit Flood Certificate Missing Missing Flood Certificate. Flood Cert is missing Document Uploaded. ; Document Uploaded. 06/18/2026 Flood Certificate is fully XXX.; Flood Cert provided and in file is for a property located at XXX. Subject is XXX. Please provide the Flood Cert for the subject property. Thank you. 06/19/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A D A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/16/2026 Resolved XXXXX Credit The Final 1003 is Missing The Final 1003 is Missing. The Final signed 1003 is missing. Please provide a signed copy of the Final 1003 for review. Document Uploaded. 06/17/2026 The Final 1003 is XXX 06/18/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A D A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Compliance TRID: Missing Closing Disclosure TRID: Missing Final Closing Disclosure. There's no evidence of the Final CD issued XX/XX/XXXX in the loan file. Document Uploaded. 06/17/2026 TRID: Final Closing Disclosure Provided. 06/17/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A D A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/12/2026 Resolved XXXXX Compliance Missing Initial Escrow Disclosure Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. Document Uploaded. 06/17/2026 Initial Escrow Account Disclosure is Resolved. 06/17/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A B A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Compliance Collateral Protection Act, Mo. Rev. Stat. §§ 427.120; 427.125 - Collateral Protection Notice was not provided Collateral Protection Act, Mo. Rev. Stat. § § 427.120; 427.125 - Collateral Protection Notice was not provided. Documentation required: There's no evidence of the Collateral Protection Notice in the loan file. Document Uploaded. 06/17/2026 Collateral Protection Act, Mo. Rev. Stat. § § 427.120; 427.125 - Collateral Protection Notice was provided. 06/17/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A C A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000131029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX MO Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700. D A A A D A A A D A D D A D D D A D D D A D D D A D D D A D A A A A A A A A A A A A A A A A A A A A
4000126042 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/16/2026 Resolved XXXXX Credit Purchase Contract is Expired The Purchase Contract expired on XX/XX/XXXX. The transaction closed on XX/XX/XXXX. Please provide a signed Purchase Contract Extension to XX/XX/XXXX. Document Uploaded. 07/15/2026 Contract extension to XX/XX/XXXX received. Condition cleared. 07/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000126042 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/12/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000126042 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/15/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 06/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%

Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000130181 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IN Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/18/2026 Resolved XXXXX Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A.     Informational Only 06/22/2026 Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000130181 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IN Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/17/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 06/22/2026 Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000130181 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX IN Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/17/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 06/22/2026 Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000129731 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/29/2026 Cured XXXXX Compliance Charges That Cannot Increase Test 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure required. Refund in the amount of $XXX; cure package requires PCCD, LOE, Copy of Refund Check and Proof of Delivery or Valid COC. The Zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points. The COC dated XX/XX/XXXX does not meet timing requirements for a re-disclosure dated XX/XX/XXXX. Document Uploaded. ; Document Uploaded. 08/06/2026 Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The COC dated XX/XX/XXXX does not meet timing requirements for a re-disclosure dated XX/XX/XXXX. The date of change is XX/XX/XXXX but it was not disclosed until XX/XX/XXXX which is more than XXX business days after the date of change 08/06/2026 Qualifying DTI below max allowed. - Calculated DTI of 16.1% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 760.

Borrower has stable job time - Borrower has 5.71 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%		 C B C B A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
4000133923 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/01/2026 Resolved XXXXX Credit Verified Liquid Assets Insufficient For Closing Verified Liquid Assets are insufficient for closing in the amount of $-XXX. XXX # XXX source document missing. Only asset on file is wire transfer pg.XXX Document Uploaded. 07/13/2026 Verified Liquid Assets are sufficient for closing. 07/14/2026 Borrower has stable job time - Borrower has 3.45 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.39% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.39% is less than Guideline LTV of 90%		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000133923 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/01/2026 Resolved XXXXX Credit Borrower Non-US Citizen Identification Document Missing Non XXX Borrower is missing Identification Document. Missing evidence of lawful and permanent residency documentation. Document Uploaded. 07/06/2026 Borrower Identification Document provided. 07/07/2026 Borrower has stable job time - Borrower has 3.45 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.39% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.39% is less than Guideline LTV of 90%		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000133923 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/01/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 07/02/2026 Borrower has stable job time - Borrower has 3.45 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.39% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.39% is less than Guideline LTV of 90%		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000133923 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/01/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Informational 07/02/2026 Borrower has stable job time - Borrower has 3.45 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.39% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.39% is less than Guideline LTV of 90%		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000143718 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Loan Review Complete 07/06/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/07/2026 Borrower has stable job time - Borrower has 5.52 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 19% is less than Guideline DTI of 50%		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000143718 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Loan Review Complete 07/06/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/07/2026 Borrower has stable job time - Borrower has 5.52 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 19% is less than Guideline DTI of 50%		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137731 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/06/2026 Resolved XXXXX Credit Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing. Borrower 2 3rd Party VOE Prior to Close Missing. Document Uploaded. ; Document Uploaded. 07/09/2026 Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX).; VOE provided dated XXX-XXX-XXX. Verification must be dated within XXX days of closing. Countered. 07/10/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 660.

Borrower has stable job time - Borrower has 10.34 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 55%		 D A D A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
4000137731 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2026 Resolved XXXXX Compliance Initial Closing Disclosure Delivery Date Test Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he 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. Document Uploaded. 07/09/2026 Initial CD provided; exception resolved; Initial CD provided; exception resolved 07/09/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 660.

Borrower has stable job time - Borrower has 10.34 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 55%		 D A C A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
4000137731 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/07/2026 Resolved XXXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. 07/09/2026 Required Affiliated Business Disclosure Documentation Provided. 07/09/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 660.

Borrower has stable job time - Borrower has 10.34 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 55%		 D A B A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
4000137731 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX OH Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/06/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/07/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 660.

Borrower has stable job time - Borrower has 10.34 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.81% is less than Guideline DTI of 55%		 D A A A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
4000133919 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/09/2026 Resolved XXXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. 07/13/2026 Required Affiliated Business Disclosure Documentation Provided. 07/13/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 8.47 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 32.76% is less than Guideline DTI of 50%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000133919 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/10/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 8.47 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 32.76% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000133919 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/10/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 8.47 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 32.76% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000135029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AL ATR/QM: Exempt Loan Review Complete 07/10/2026 Rescinded XXXXX Credit Income/Employment General REO XXX XXX (missing HOA verification) REO XXX XXX (missing REO HELOC STMT for 2nd Mtg. to support pymt $XXX) Document Uploaded. This information was provided on an earlier response for a different finding for this same loan. The credit refresh report provided support of the monthly payment for the HELOC with XXX. Please see the snip below and clear all findings as this is not valid… ; Document Uploaded. ; Document Uploaded. 07/16/2026 HOA dues for XXX in file on page XXX Payment for HELOC secured against XXX in file on credit supplement page XXX Condition rescinded.; Countered - Still missing HELOC Statement for XXX. Exception remains.; Need the HOA documentation for XXX and the HELOC Statement for XXX. Exception remains. 07/20/2026   C A A A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AL ATR/QM: Exempt Loan Review Complete 07/10/2026 Rescinded XXXXX Credit Borrower Contributions Do Not Met Guideline Minimum Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Document Uploaded. 07/14/2026 Documentation in file is sufficient. Borrower contributed the minimum XXX% down. Exception rescinded.; Borrower Contributions Meet Guidelines 07/15/2026   C A A A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135029 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX AL ATR/QM: Exempt Loan Review Complete 07/10/2026 Resolved XXXXX Credit Asset General Provide Most Recent Statement XXX #XXX verifying XXX Provide proof of deposit/supporting documentation in the amount of XXX coming from XXX Document Uploaded. 07/14/2026 Documentation is sufficient. LOE provided. Exception resolved. 07/15/2026 Borrower has stable job time - Borrower has 6.93 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 39.42% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 760.		 C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136161 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Loan Review Complete 07/13/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 52.88% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 4.51 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.88% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 38.8% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 700.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136161 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Loan Review Complete 07/13/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 52.88% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 4.51 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.88% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 38.8% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 700.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136161 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: Exempt Loan Review Complete 07/13/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 07/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 52.88% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 4.51 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.88% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 38.8% is less than Guideline DTI of 50%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 700.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000135037 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/13/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/15/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.14% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 2.25 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.14% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000135037 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/13/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/15/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.14% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 2.25 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.14% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000135037 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/13/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 07/15/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.14% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 680.

Borrower has stable job time - Borrower has 2.25 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 58.14% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000136120 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Loan Review Complete 07/16/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. CLEAR 07/17/2026 No Compliance Findings. Resolved. 07/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 742 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 22.43% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.01 years on job.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136120 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Loan Review Complete 07/15/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan. CLEAR 07/17/2026 Informational 07/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 742 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 22.43% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.01 years on job.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000136120 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX VA ATR/QM: Exempt Loan Review Complete 07/16/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. CLEAR 07/17/2026 Informational 07/20/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 742 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 22.43% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.01 years on job.		 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000137719 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/20/2026 Resolved XXXXX Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Guidelines, dated XX/XX/XXXX, require an AVM with an FSD maximum of XX/XX/XXXX and a value of no more than XXX% below the appraised value. AVM in file had an FSD of XXX. Document Uploaded. 07/27/2026 Documentation is sufficient. CDA provided. Exception resolved.; Third party valuation product provided within tolerance. 07/27/2026 Borrower has stable job time - Borrower has 11.53 years on job. C A C A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
4000137719 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/20/2026 Resolved XXXXX Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. This is a one, should be clear 07/22/2026     Borrower has stable job time - Borrower has 11.53 years on job. C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
4000137719 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/20/2026 Resolved XXXXX Compliance NY Subprime Home Loan Test This loan failed the XXX Subprime Home Loan Test. ( XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. XXX Subprime Requirements met This is a one, should be clear 07/22/2026     Borrower has stable job time - Borrower has 11.53 years on job. C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
4000137719 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/20/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines. Should be clear 07/22/2026 Informational 07/22/2026 Borrower has stable job time - Borrower has 11.53 years on job. C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
4000133257 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/22/2026 Resolved XXXXX Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. 07/24/2026 Evidence of eConsent is provided. 07/27/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 760.

Borrower has stable job time - Borrower has 16.45 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 35.83% is less than Guideline DTI of 50%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000133257 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/21/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/22/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 760.

Borrower has stable job time - Borrower has 16.45 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 35.83% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000133257 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/21/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/22/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 760.

Borrower has stable job time - Borrower has 16.45 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 35.83% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000141988 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/27/2026 Resolved XXXXX Compliance Charges That Cannot Increase Test 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Field Review Fee added on LE XX/XX/XXXX without a valid COC. COC in the file does not provide any details as to why the appraisal field review was added. Fee also increased from XXX to XXX on the Initial CD dated XX/XX/XXXX. Document Uploaded. 07/28/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved 07/29/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 760.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 32.11% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.89 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
4000141988 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/24/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/27/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 760.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 32.11% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.89 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
4000141988 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/24/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/27/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 760.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%

Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%

Qualifying DTI below max allowed. - Calculated DTI of 32.11% is less than Guideline DTI of 50%

Borrower has stable job time - Borrower has 2.89 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
4000141984 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/27/2026 Resolved XXXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. 08/03/2026 Required Affiliated Business Disclosure Documentation Provided. 08/04/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 660.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000141984 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/24/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/30/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 660.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000141984 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/24/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/30/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 660.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
4000143381 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/28/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/30/2026 Borrower has stable job time - Borrower has 8.76 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000143381 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/28/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 07/30/2026 Borrower has stable job time - Borrower has 8.76 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000143381 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/28/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 07/30/2026 Borrower has stable job time - Borrower has 8.76 years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000138446 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 07/31/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 10.3 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000138446 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 07/31/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 10.3 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000138446 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX SC Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/30/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 07/31/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 10.3 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000139570 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/30/2026 Resolved XXXXX Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA CU score is XX/XX/XXXX and the file does not contain a third party valuation product. Document Uploaded. 08/06/2026 Documentation is sufficient. CDA provided. Exception resolved.; Third party valuation product provided within tolerance. 08/07/2026 Qualifying DTI below max allowed. - Calculated DTI of 38.18% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 27.99% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.99% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 700.		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000139570 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/30/2026 Resolved XXXXX Compliance Initial Closing Disclosure Delivery Date Test Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he 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. Document Uploaded. 08/06/2026 Initial CD provided; exception resolved; Initial CD provided; exception resolved 08/06/2026 Qualifying DTI below max allowed. - Calculated DTI of 38.18% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 27.99% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.99% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 700.		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000139570 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/30/2026 Resolved XXXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. 08/06/2026 Required Affiliated Business Disclosure Documentation Provided. 08/06/2026 Qualifying DTI below max allowed. - Calculated DTI of 38.18% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 27.99% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.99% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 700.		 C A B A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000139570 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/30/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 07/30/2026 Qualifying DTI below max allowed. - Calculated DTI of 38.18% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 27.99% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.99% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 700.		 C A A A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
4000139677 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/02/2026 Resolved XXXXX Credit The Deed of Trust is Missing The Deed of Trust is Missing. Missing Deed of Trust, as required by guidelines, dated XX/XX/XXXX. Document Uploaded. 08/06/2026 Client provided executed recorded DOT with rider. Resolved. Dated XX/XX/XXXX as required. ; The Deed of Trust is XXX. 08/06/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 29.06% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 7.44 years on job.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000139677 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/03/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 08/05/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 29.06% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 7.44 years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000139677 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/03/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 08/05/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 29.06% is less than Guideline DTI of 50%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 80%

Borrower has stable job time - Borrower has 7.44 years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000142833 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/07/2026 Resolved XXXXX Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Assets are not sufficient. Balance is $XXX; XXX used for cash to close. Recent Statement uploaded in other condition should clear this one. 08/13/2026 Lender provided XX/XX/XXXX bank Statement with beginning balance of XXX additional deposits XXX for total of XXX before XXX withdrawal for purchase ; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) 08/14/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 8.09 years on job.		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000142833 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/07/2026 Resolved XXXXX Credit Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Assets are not sufficient. Balance is $XXX; XXX used for cash to close. Document Uploaded. 08/13/2026 Lender provided XX/XX/XXXX bank Statement with beginning balance of XXX additional deposits XXX for total of XXX before XXX withdrawal for purchase ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. 08/14/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 8.09 years on job.		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000142833 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/07/2026 Resolved XXXXX Compliance Higher-Priced Mortgage Loan Test HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     Informational Only 08/10/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 8.09 years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000142833 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TN Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/07/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 08/10/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 8.09 years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000142989 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/14/2026 Resolved XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 08/14/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 804 is greater than Guideline minimum FICO of 720. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000142989 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/14/2026 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 08/14/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 804 is greater than Guideline minimum FICO of 720. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000142989 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/13/2026 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational Only 08/14/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 804 is greater than Guideline minimum FICO of 720. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
4000132254 XXXXX XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 11/18/2025 Resolved XXXXX Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require verification of at least XXX months existence of the business within XXX days of the Note date, XXX. The required verification of XXX dated within XXX days of the Note date, XXX, is missing from the loan file. Document Uploaded. 11/20/2025 Documentation is sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided 11/21/2025 Borrower has stable job time - Borrower has 13.85 years on job. D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000132254 XXXXX XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 11/18/2025 Resolved XXXXX Credit Approval/Underwriting Summary Not Provided Missing Approval/Underwriting Summary. The Underwriting Cover Letter Approval document is required. Document Uploaded. 11/20/2025 Documentation is sufficient. Approval provided. Exception resolved.; Approval/Underwriting Summary is fully XXX 11/21/2025 Borrower has stable job time - Borrower has 13.85 years on job. D A B A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000132254 XXXXX XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 11/17/2025 Resolved XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 11/19/2025 Borrower has stable job time - Borrower has 13.85 years on job. D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000132254 XXXXX XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX CA ATR/QM: CDFI Lender Exempt Loan Review Complete 11/18/2025 Resolved XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 11/19/2025 Borrower has stable job time - Borrower has 13.85 years on job. D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
4000010237 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 03/03/2023 Cleared XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/03/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 25.17 is less than the Guideline DTI of 50.00.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 32.22 months or $98805.08, are greater than the Guideline Minimum of 12.00 or $36799.44.
; Borrower 1 has significant job time - Borrower has 8.73 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 5.00 years
; Borrower has stable job time - Borrower has 8.73 years at job.
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000010441 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Closed 04/11/2023 Cleared XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/11/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.08 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 680.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 33.73 months or $183635.97, are greater than the Guideline Minimum of 6.00 or $32666.46.
; Borrower 1 has significant job time - Borrower has 7.28 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.28 years at job.
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4000010441 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Closed 04/11/2023 Cleared XXXXX Credit Borrower Employment Verification does not meet guidelines Guidelines State, Verification of Employment is required within XXX days of closing. Business Search documentation is accepted and located in file - the document does not have a date stamp affixed. Please provide sufficient Verification of Business dated within XXX days of closing. Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received copy of XXX search conducted on XX/XX/XXXX showing business is still active. Exception cleared. 4/14/2023 The exception 'Borrower Employment Verification does not meet guidelines' is cleared. Received copy of XXX search conducted on XX/XX/XXXX showing business is still active. Exception cleared. 04/14/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.08 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 680.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 33.73 months or $183635.97, are greater than the Guideline Minimum of 6.00 or $32666.46.
; Borrower 1 has significant job time - Borrower has 7.28 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.28 years at job.
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4000010441 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL Non-QM: Lender documented all ATR UW factors Closed 04/11/2023 Cleared XXXXX Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of  XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; No Cure Required - HPML Loan with established escrows and appraisal requirements met. Downgraded. Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.; Per attestation dated XX/XX/XXXX, investor guidelines permit HPML loans. Condition cleared. Final exception grade is an A; Change status of 'Higher-Priced Mortgage Loan' from Active to Open Rebuttal.; Per attestation dated XX/XX/XXXX, investor guidelines permit HPML loans. Condition cleared. Final exception grade is an A; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.; Per attestation dated XX/XX/XXXX, investor guidelines permit HPML loans. Condition cleared. Final exception grade is an A; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.; Per attestation dated XX/XX/XXXX, investor guidelines permit HPML loans. Condition cleared. Final exception grade is an A; Change status of 'Higher-Priced Mortgage Loan' from Open Rebuttal to Cured Post Close.; Per attestation dated XX/XX/XXXX, investor guidelines permit HPML loans. Condition cleared. Final exception grade is an A 4/12/2023 HPML Compliant 04/12/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.08 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 680.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 33.73 months or $183635.97, are greater than the Guideline Minimum of 6.00 or $32666.46.
; Borrower 1 has significant job time - Borrower has 7.28 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.28 years at job.
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4000010602 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 04/07/2023 Cleared XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/07/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.05 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 740.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 149.16 months or $472378.41, are greater than the Guideline Minimum of 12.00 or $38003.76.
; Borrower 1 has significant job time - Borrower has 7.25 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.25 years at job.
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000010602 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 04/07/2023 Cleared XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/07/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.05 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 740.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 149.16 months or $472378.41, are greater than the Guideline Minimum of 12.00 or $38003.76.
; Borrower 1 has significant job time - Borrower has 7.25 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.25 years at job.
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000010602 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX FL ATR/QM: Exempt Closed 04/07/2023 Cleared XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/07/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 21.05 is less than the Guideline DTI of 50.00.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 740.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 149.16 months or $472378.41, are greater than the Guideline Minimum of 12.00 or $38003.76.
; Borrower 1 has significant job time - Borrower has 7.25 years on job
; Borrower has more than 2 years at current residence - Borrower at current residence 2.17 years
; Borrower has stable job time - Borrower has 7.25 years at job.
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000011215 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 05/03/2023 Cleared XXXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 05/03/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is Greater than the Guideline Minimum of 700.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 98.29 months or $201467.97, are greater than the Guideline Minimum of 6.00 or $12298.28.
; Borrower has more than 2 years at current residence - Borrower at current residence 26.00 years
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4000011215 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 05/03/2023 Cleared XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 05/03/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is Greater than the Guideline Minimum of 700.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 98.29 months or $201467.97, are greater than the Guideline Minimum of 6.00 or $12298.28.
; Borrower has more than 2 years at current residence - Borrower at current residence 26.00 years
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000011215 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX TX ATR/QM: Exempt Closed 05/03/2023 Cleared XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 05/03/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is Greater than the Guideline Minimum of 700.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 98.29 months or $201467.97, are greater than the Guideline Minimum of 6.00 or $12298.28.
; Borrower has more than 2 years at current residence - Borrower at current residence 26.00 years
 A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
4000011953 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Closed 05/04/2023 Cleared XXXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 05/04/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 31.91 is less than the Guideline DTI of 50.00.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 25.02 months or $263982.19, are greater than the Guideline Minimum of 6.00 or $63298.23.
; Borrower 1 has significant job time - Borrower has 12.04 years on job
; Borrower has stable job time - Borrower has 12.04 years at job.
; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000011953 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Closed 05/04/2023 Cleared XXXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 05/04/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 31.91 is less than the Guideline DTI of 50.00.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 25.02 months or $263982.19, are greater than the Guideline Minimum of 6.00 or $63298.23.
; Borrower 1 has significant job time - Borrower has 12.04 years on job
; Borrower has stable job time - Borrower has 12.04 years at job.
; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
4000011953 XXXXX   XXX XXXXX XX/XX/XXXX $XXXXXX GA Non-QM: Lender documented all ATR UW factors Closed 05/04/2023 Cleared XXXXX Credit Minimum Trade Line Requirement Not Met Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Guidelines require XXX trade lines reporting for ≥ XXX months; or XXX trade lines reporting for ≥ XXX months with activity in the past XXX months. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Open Rebuttal.; Received LOX with copy of current credit report - Below are XXX tradelines reviewed for more than XXX months that have a DLA within the last XXX months. Accounts included: XXX. Reviewed credit report and confirmed. Exception cleared. 5/9/2023 Borrower(s) have met the minimum tradeline requirement per lender guidelines. Received LOX with copy of current credit report - Below are XXX tradelines reviewed for more than XXX months that have a DLA within the last XXX months. Accounts included: XXX. Reviewed credit report and confirmed. Exception cleared. 05/09/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of 31.91 is less than the Guideline DTI of 50.00.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 25.02 months or $263982.19, are greater than the Guideline Minimum of 6.00 or $63298.23.
; Borrower 1 has significant job time - Borrower has 12.04 years on job
; Borrower has stable job time - Borrower has 12.04 years at job.
; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A