MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.02 - Schedule 1
| Loan Number | ALT Loan Number | 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) |
| 89338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Approval should reflect the qualifying payment and match the XXX | Document Uploaded. | 03/11/2026 | Documentation is sufficient. Updated approval and XXX provided. Exception resolved.; Approval/Underwriting Summary is fully present | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/06/2026 | Resolved | FPRO8998 | 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 | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The Note reflects subject address as, XXX XXX. The Appraisal, Title Commitment and Legal Description State the address of, XXX XXX. A corrected Note reflecting the address of, XXX XXX, is required. | Document Uploaded. | 03/23/2026 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Present | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Mortgage Deed reflects subject address as, XXX XXX. The Appraisal, Title Commitment and Legal Description State the address of, XXX XXX. A corrected Mortgage Deed reflecting the address of, XXX XXX, is required. | Document Uploaded. | 03/19/2026 | The Deed of Trust is Present and Complete - Received an email executed by legal counsel regarding the street name on the DOT misspelling XXX vs, XXX is not required to be fixed and re-recorded because its only insured by utilizing the legal description. The address is for informational purposes only. The information can be changed overtime, but it is not required as long as the legal description is correct. Exception Resolved. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Underwriting Final Approval and XXX reflect a sales price of, $XXX. The XXX Residential Agreement to Buy or Sell reflects a sales price of, $XXX. An Addendum to the Buy or Sell Agreement reflecting a purchase price of, XXX is required. | Document Uploaded. | 03/17/2026 | Documentation is sufficient. Updated contract addendum provided. Exception resolved.; Purchase Contract Doc is complete. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. A Post Close CD reflecting a Disbursement Date of, XXX, or, a Hazard Policy reflecting coverage as of, XXX, is required. | Document Uploaded. | 03/17/2026 | Documentation is sufficient. Updated CD provided. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89342 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/19/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% 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 | ||
| 89358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/19/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% 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 | ||
| 89358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/19/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% 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 | ||
| 89354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | finding-3352 | 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 XXX 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. | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/18/2026 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market XXX 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. | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/19/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.68% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.68% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.68% is less than Guideline CLTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing documentation to support the exclusion of XXX #XXX auto loan. Per ULAW, shows excluded and Per Final CD, not being paid at closing. Loan appears on initial credit report dated XX/XX/XXXX, but does not appear on most recent credit report dated XX/XX/XXXX and is not a duplicate account to the other two XXX auto loans on the most recent credit report. Business bank Statements do not support that auto loan is being paid by the business. | Document Uploaded. Uploading credit supplement stating tradeline is deleted. Please see pg. XXX of the supplement. Per UW “This is contested, XXX did a credit supp on file, explains that they contacted XXX. and spoke with XXX who confirms this is not the borrower, but similar name”; See page XXX of initial package. It shows the loan being paid off. As far as the XX/XX/XXXX credit report, it was not considered for underwriting as the original credit report from XX/XX/XXXX does not expire until XX/XX/XXXX. | 03/30/2026 | Lender provided credit supplement stating tradeline is deleted. Please see pg. XXX of the supplement.; The XXX loans reflected on the Final CD are for account numbers XXX and XXX Evidence of payoff for XXX acct# XXX is still Missing. Please provide as the XXX payment for acct# XXX was excluded from the DTI calculation. | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 |
| 89531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 03/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The Credit report reflects XXX with XXX months pay history. The property report reflects the subject mortgage with XXX opened XX/XX/XXXX for XXX Provide the mortgage payment history from XX/XX/XXXX-XX/XX/XXXX. | Document Uploaded. Uploading updated ULAW with comp factors | 04/02/2026 | Lender exception approval provided - Ok per XXX for missing XX/XX/XXXX XX/XX/XXXX payment history. Comp factors XXX FICO, 60.13% LTV, subject C3 condition with kitchen and bathrooms updated <XXX yrs ago. | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. 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. signed initial CD has been uploaded | 04/02/2026 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.47% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.47% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX 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 |
| 89530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.47% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.47% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.47% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.47% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.47% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.47% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 655% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 655% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 655% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The CPA letter which verifies the business and ownership is not dated. Provide a Signed and dated Letter from the Tax Preparer with License verification. | The borrower is XXX; therefore, XXX does not require third party verification of the borrower’s self-employment business. | 04/09/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide the completed HOA questionnaire. | Document Uploaded. Uploading HOA certificate | 04/09/2026 | HOA Questionnaire Provided | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The credit report reflects SPS mtg and HELOC paid through XX/XX/XXXX. The Note is dated XX/XX/XXXX. Verification of Mortgage expires at XXX days. Provide proof of XX/XX/XXXX XXX and HELOC payments. | Document Uploaded. Payments are XXX. Uploading bank Statement showing both payments debited XX/XX/XXXX; Document Uploaded. | 04/09/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | D | A | A | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX and XXX as Joint Tenants. Provide the signed and notarized Deed from XXX to the borrower. | Document Uploaded. Uploading amendment to escrow instructions | 04/08/2026 | Property Title Issue Resolved | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XX/XX/XXXX is less than guideline minimum requirement of XXX. The Lender pricing exception requires XX/XX/XXXX DSCR. | Pricing exception for XX/XX/XXXX DSCR requirement was when the rate was XXX%. Final pricing exception at XXX% did not require XX/XX/XXXX DSCR | 04/08/2026 | Qualifying DSCR meets Guidelines | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal reflects the subject was purchased XX/XX/XXXX for $XXX; updates to the subject since purchase are listed. The Note is dated XX/XX/XXXX which is less than XXX months since purchase. Provide documented receipts for the improvements to the subject. XXX XX/XX/XXXX | Document Uploaded. Uploading documented receipts for the improvements to the subject.; XX/XX/XXXX - TPR to please disregard the response entered XX/XX/XXXX, XX/XX/XXXX PM (PDT); ; XXX Lending does not have a line-item requirement to document sources of business income to a business account. Clients could have elected to pay from a trust account. | 04/20/2026 | Property/Appraisal Meets Guidelines. Copies of receipts were provided showing completion of work.; | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The XXX Mortgage Transaction activity from XX/XX/XXXX-XX/XX/XXXX is in the file. Provide the Forbearance per monthdification agreement for XX/XX/XXXX #XXX. | The pay history shows that the last XXX years have been paid on time so any previous modifications would be moot since they are beyond our lookback period for negative credit events. | 04/09/2026 | Lender confirmed - The pay history shows that the last XXX years have been paid on time so any previous modifications would be moot since they are beyond our lookback period for negative credit events. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The Subject loan closed in an Entity. Provide Cert of Good Standing valid within XXX days of closing date and Unanimous Written Consent signed by all members, authorizing the transaction and identifying the authorized signer. | Document Uploaded. Uploading COGS, written authorization is in the Operating Agreement, item #XXX. | 04/09/2026 | Lender confirmed - Uploading COGS, written authorization is in the Operating Agreement, item #XXX. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 the addition of the Trust Review Fee that was added on Initial CD XX/XX/XXXX, the loan re-work request indicates the lender was aware of the vesting as of XX/XX/XXXX but it wasnt disclosed until XX/XX/XXXX which is not considered timely 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). | Document Uploaded. Please review the COE. ; Cure requested from XXX; We were informed of the Trust, but the supporting documents were not delivered for review until XX/XX/XXXX, when they were received by the UW, reviewed, and disclosed within the next two days.; XXX was informed of the intent to close in a trust and set a condition for supporting documentation for verification of said trust. This documentation was provided on XX/XX/XXXX, reviewed and approved by the UW on XX/XX/XXXX, and the fee was disclosed on XX/XX/XXXX (two days after receipt). | 05/05/2026 | 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 loan re-work request indicates the lender was aware of the vesting as of XX/XX/XXXX but it wasnt disclosed until XX/XX/XXXX which is not considered timely. The charge must be disclosed within XXX business days of confirming the service is needed; The loan re-work request indicates the lender was aware of the vesting as of XX/XX/XXXX but it wasnt disclosed until XX/XX/XXXX which is not considered timely. The charge must be disclosed within XXX business days of confirming the service is needed | 05/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.84% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.84% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 89548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE1347 | 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 | B2 is XXX; therefore, XXX does not require third party verification of the borrower’s self-employment business. | 04/09/2026 | Audit used B2 business bank Statements for VVOE.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.84% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.84% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 89548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Acknowledged | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX and Lender's ULAW are missing from the file. Lender to provide. | Acknowledged as 2/B grading per client request | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.84% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.84% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 89548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.84% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.84% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 89474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | 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 XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | 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 XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | Missing required LOE from borrower (Self employment questionnaire) explaining their business name, what their business does, the number of employees, how it is set up (Incorporated, LLC, Sole Proprietor, etcetera). None noted on CPA letter. | This is not a requirement on the P&L. A P&L is a financial performance Statement, focused on dollars, not headcount.; The P&L program does not have this requirement. The details of the borrower’s business can be deduced from the P&L that has been prepared by her CPA. | 04/10/2026 | Lender confirmed - This is not a requirement on the P&L. A P&L is a financial performance Statement, focused on dollars, not headcount.; The number of employees is not Stated on the CPA letter nor the P&L. Please provide. | 04/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.88% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per guidelines for properties listed for sale in the last XXX months: Primary = qualify at XXX% max DTI. No exception in file. | Document Uploaded. Uploading updated ULAW with comp factors. | 04/10/2026 | Lender exception approval provided - CT approved 42% LTV on P&L with XXX Ok per XXX for XXX% DTI, comp factors, 47% LTV, no mortgage lates reporting at all, borr S/E XXX years, significant reserves after closing, subject in C3 very good condition with recent updating.. | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.88% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.88% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.88% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.88% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Settlement Statement is not signed or certified by the escrow agent. Provide the final certified settlement Statement. | Document Uploaded. Uploading Settlement Statement signed by escrow agent | 04/09/2026 | Property Title Issue Resolved | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 60% | 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 |
| 89433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a non-permanent resident. Provide an ITIN letter/card or valid Visa/EAD document to verify legal status. | Loan priced as ITIN due to lack of VISA/employment authorization card. However, the 1003 reads as an XXX due to system limitations of not having an ITIN option on the 1003 | 04/09/2026 | Lender confirmed - Loan priced as ITIN due to lack of VISA/employment authorization card. However, the 1003 reads as an XXX due to system limitations of not having an ITIN option on the 1003. XXX section XX/XX/XXXX and XXX. | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 60% | 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 |
| 89433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 60% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 60% | 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 | ||
| 89462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75.39% exceeds Guideline CLTV of 75% Second Homes limit seller contribution to XXX%: however, the Closing Disclosure reflects seller contributions exceed XXX% of the purchase price by XXX Lender Guidelines require the excess contribution to be deducted from the purchase price, the adjusted price is XXX which results in the LTV/CLTV/HCLTV of 75.39%. | Document Uploaded. Uploading updated ULAW with comp factors. | 04/13/2026 | Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating.. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75.39% exceeds Guideline HCLTV of 75% Second Homes limit seller contribution to XXX%: however, the Closing Disclosure reflects seller contributions exceed XXX% of the purchase price by XXX Lender Guidelines require the excess contribution to be deducted from the purchase price, the adjusted price is XXX which results in the LTV/CLTV/HCLTV of 75.39%. | Document Uploaded. Uploading updated ULAW with comp factors. | 04/13/2026 | Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating.. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75.39% exceeds Guideline LTV of 75% Second Homes limit seller contribution to XXX%: however, the Closing Disclosure reflects seller contributions exceed XXX% of the purchase price by XXX Lender Guidelines require the excess contribution to be deducted from the purchase price, the adjusted price is XXX which results in the LTV/CLTV/HCLTV of 75.39%. | Document Uploaded. Uploading updated ULAW with comp factors. | 04/13/2026 | Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating.. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The purchase price is reduced by XXX excess contribution, per Lender Guidelines. No Condition. XXX XX/XX/XXXX | The finding for the ineligible list was for XXX in XXX and subject closer is for the XXX, XXX office, so this is not a match. | 04/13/2026 | Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating.. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Acknowledged | FCOM3813 | Credit | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. XXX (Regulation Z) 12 CFR XXX(a)(XXX)(vii) The Lender requires Purchase Price to be reduced when seller contributions exceed limits for purpose of LTV/CLTV/HCLTV only. The CD reflects the correct purchase price. | Document Uploaded. Uploading purch contract addendum to $XXX . | 04/13/2026 | Lender exception approval provided - Ok per XXX to allow XXX% seller concession ($XXX) and not to hit the purchase price for it, comp factors, XXX FICO, no negative credit reporting, full doc with XXX% DTI, significant reserves after closing, subject in C3 condition with some recent updating.. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal reflects the subject project is made up of XXX condo units, XXX hotel rooms and XXX business units; residential use with commercial influence properties are ineligible for the Non-Prime program. XXX XX/XX/XXXX | Subject is a condotel, it is normal to have large numbers of hotel rooms & businesses there. XXX Lending allows condotels and understands they will not fit into regular condo requirements. | 04/13/2026 | Property/Appraisal Meets Guidelines | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Participant name on watchlist. Lender to clear. | The finding for the ineligible list was for Empire Title in XXX and subject closer is for the XXX, XXX office, so this is not a match. | 04/13/2026 | All Fraud Report Alerts have been cleared or None Exist; Lender confirmed - The finding for the ineligible list was for Empire Title in XXX and subject closer is for the XXX, XXX office, so this is not a match. | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.88% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.88% 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 | ||
| 89529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.88% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.88% 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 | ||
| 89529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.88% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.88% 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 | ||
| 89554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. A letter from XXX dated XX/XX/XXXX States the borrower has CD accounts (#XXX, #XXX, #XXX) and provides the balances. An 80% LTV requires XXX days seasoning of funds. Provide the most recent Statement for eXXX account or letter from the Bank to reflect the funds have been in the account XXX days. XXX XX/XX/XXXX | The letter in question serves as the VOD for the CD accounts. CD’s do not provide monthly Statements, the letter is really the only thing they would have. XXX Lending is agreeable to the LOE in these situations. | 04/14/2026 | Asset Qualification Meets Guideline Requirements. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A Tax receipt for a property in XXX reflects proprietor XXX XXX XXX. Provide proof this is the borrower, (name is not the same) Note: A FTHB is limited to 70% LTV and declining market -XXX%; for LTV of 65%. | Document Uploaded. Uploading updated ULAW with comp factors. | 04/14/2026 | Lender exception approval provided - Ok per XXX to accept tax receipt as-is to show borr is not a FTHB, comp factors, XXX FICO, positive DSCR, significant reserves after closing, subject in C3 good condition. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | A Letter from the borrower's son States he is XXX of property and the borrower lives rent free. Provide proof of ownership for XXX XXX. | XXX does not require proof of ownership for where borrower is staying rent free, the family member could be tenants themselves. | 04/14/2026 | Lender confirmed - XXX Lending does not require proof of ownership for where borrower is staying rent free, the family member could be tenants themselves. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for previous O/O at XXX XXX #XXX, XXX, XXX for XX/XX/XXXX to XX/XX/XXXX and current VOR for XXX XXX #XXX, XXX, XXX for XX/XX/XXXX signing with XX/XX/XXXX move in to compete XXX month rental history at 0x30. No rental payment history located on bank Statements received. | Document Uploaded. Uploading XXX and BOA Statements for proof of all payments made except XX/XX/XXXX and XX/XX/XXXX. These two payments are missing. Uploading updated ULAW with comp factors for missing payments. Please note the payments for the rent are higher than the lease the agreement. | 04/21/2026 | Lender exception for missing XXX months of rental payment history approved by XXX on XX/XX/XXXX. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing documentation to support B1 has XXX% access to XXX #XXX. Bank Statement in file dated XX/XX/XXXX reflects XXX XXX - XXX only. | Per Sec XXX business purpose loans at 70% LTV and below, the closing funds need only be listed on the 1003. | 04/14/2026 | Asset Qualification Meets Guideline Requirements. | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.64% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.64% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.64% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.64% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.64% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.64% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Rescinded | FVAL4977 | Property | Incorrect Appraisal Form For Property Type | Subject XXX is XXX, however, the appraisal inspection was completed on form type: XXX Small Residential Income Report. | Updated to XXX unit; finding invalid | 08/25/2026 | 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 | |||
| 90641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.31% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.31% is less than Guideline CLTV of 80% | 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 | ||
| 90641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.31% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.31% is less than Guideline CLTV of 80% | 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 | ||
| 90641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a DSCR rate/term refinance of investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.31% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.31% is less than Guideline CLTV of 80% | 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 | ||
| 90639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in a Trust. Provide the signed and notarized Quit Claim Deed from Trust to borrower. | Document Uploaded. Uploading deed. | 04/17/2026 | Property Title Issue Resolved | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.14% is less than Guideline LTV of 60% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.14% is less than Guideline CLTV of 60% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.14% is less than Guideline LTV of 60% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.14% is less than Guideline CLTV of 60% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Acknowledged | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The borrower is a XXX with a social security number. Provide evidence of credit pull. | ; Document Uploaded. Uploading updated ULAW adding comp factors; XXX Lending determined the LTV to be a significant compensating factor as it is only at XXX% a $XXX loan against a property worth $XXX . The DSCR is XXX for every rental payment made, it covers over XXX months of mortgage payments. Borr got $XXX at closing for stout reserves after closing. The subject is in XXX, XXX so it has a strong value component and desirable location. At such a low LTV, the risk was determined to be acceptable.; Document Uploaded. Uploading evidence of credit pull | 04/20/2026 | Lender exception for no credit score without applicable overlays approved by XXX.; Please advise if lender will provide an exception approval to include the Stated compensating factors previously Stated as the borrower having no credit scores does not meet guidelines.; DSCR guidelines State: Applicants with XXX or fewer scores the following overlays apply: – XXX tradelines & XXX month history, acceptable with no tradeline overlay. – XXX tradelines & XXX month history, acceptable with no tradeline overlay. The attached credit report does not reflect any active tradelines or housing history in past XXX or XXX months. Please advise what/how XXX satisfied this guideline requirement. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.17% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 5.17% is less than Guideline CLTV of 65% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.17% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 5.17% is less than Guideline CLTV of 65% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide the Third party fraud report. | Document Uploaded. Submitted DV for clearance | 04/21/2026 | Third Party Fraud Report is provided | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. XXX months reserves are required for LTV > XXX% and no rent loss insurance. Provide most recent Bank Statement to verify XXX months reserves (seasoned XXX days), or XXX months Rent Loss Insurance. | Document Uploaded. Uploading policy with rent loss | 04/16/2026 | Lender provided rent loss coverage so the XXX months reserves are no longer required.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) XXX months reserves are required for LTV > XXX% and no rent loss insurance. Provide most recent Bank Statement to verify XXX months reserves (seasoned XXX days), or XXX months Rent Loss Insurance. | Uploading policy with rent loss | 04/16/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The XXX #XXX Statement, dated XX/XX/XXXX, has $XXX. The Loan Application reflects an account balance of $XXX. The LTV is 80% which requires source and seasoning of funds to close. Provide proof of XXX $XXX; with deposits documented. | Pg. XXX of initial package indicates XXX #XXX-XXX has a balance of XXX | 04/15/2026 | Funds are found to meet guidelines. | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Acknowledged | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide the final Underwriting Loan Approval Worksheet. | Acknowledged as 2/B grading per client request | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The mortgage Statements with XXX, dated XX/XX/XXXX-XX/XX/XXXX provide pay history; however, must verify the Statements are for the subject. The terms of the XXX Note do not match with the Statements or Deed of Trust. Provide the subject Note with XXX; if the terms do not match the Statements, will require XXX month pay history for the subject mortgage with cancelled checks (front/back) or bank Statements reflecting amount withdrawn. | The Deed references the subject address and is sufficient for proof | 04/16/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 04/17/2026 | 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 | |
| 89418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Rescinded | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide a copy of the social security card or SSA-XXX results | Document Uploaded. Uploading SSA-XXX results | 04/16/2026 | Sufficient documentation to support the finding was provided in the original image. Rescinding this finding. | 04/17/2026 | 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 | |
| 89418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | 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 | |||
| 89555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Provide An LOE from the borrower explaining their business name, what their business does, the number of employees, how it is set up. | Document Uploaded. Uploading S/E LOE | 04/20/2026 | Business Questionnaire received. Condition cleared. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The purchase contract reflects seller concession of $XXX; however the Settlement Statement shows XXX seller concession. Provide the contract addendum reflecting the seller concession of XXX XXX XX/XX/XXXX | XXX does not require addendums when credits are reduced, only increased | 04/20/2026 | Lender States reduction in Seller Concession does not require an amendment. Condition cleared. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 | ||
| 90642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 | ||
| 90642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% 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 | ||
| 89386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The permanent resident card expired XX/XX/XXXX. Permanent resident must have an unexpired XXX ID. Provide proof of current status. | Document Uploaded. Uploading XXX extension form, that, which coupled with their old green card, pushes the expiration out XXX months to XXX | 05/14/2026 | Client provided XXX-Application to replace Permanent Resident Card stating: This notice, together with your Form I-XXX, Permanent Resident Card, provides evidence of your lawful permanent resident status for XXX months from the expiration date on the front of your Permanent Resident Card. LM Updated. | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The borrower was required to bring XXX to closing. The source of funds for closing should be reflected on the loan application. Provide loan application reflecting the source of funds for closing. XXX XX/XX/XXXX | Document Uploaded. Uploading updated 1003 with assets | 04/23/2026 | Asset Qualification Meets Guideline Requirements. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The proposed title insurance amount of XXX is below the subject loan amount of XXX Please provide a revised title commitment or similar documentation with sufficient coverage. | Title commitment | 04/28/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Updated commitment uploaded with coverage of XXX ; Document Uploaded. | 05/01/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | 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 |
| 90646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company (XXX) has not been checked against the exclusionary lists. | Updated Fraud Report received.; Fraud report | 04/30/2026 | All Interested Parties Checked against Exclusionary Lists; Appraisal company and XXX on fraud report. Resolved. ; Document Uploaded. | 05/01/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 90646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/23/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/23/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.08% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.08% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.08% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.08% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.49% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.49% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.49% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.49% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.34% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.34% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.34% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.34% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 65% The maximum CLTV/LTV for a cash out refinance with loan > XXX is XXX% | Document Uploaded. Uploading updated ULAW with comp factors. | 04/29/2026 | Lender exception approval provided - Ok per XXX to go up to 70% LTV and to XXX on the loan amount, comp factors, XXX FICO, borr S/E XXX years, significant reserves after closing, XXX% DTI, subject in C3 condition. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 70% exceeds Guideline HCLTV of 65% The maximum HCLTV/LTV for a cash out refinance with loan > XXX is XXX% | Document Uploaded. Uploading updated ULAW with comp factors. | 04/29/2026 | ; Lender exception approval provided - Ok per XXX to go up to 70% LTV and to XXX on the loan amount, comp factors, XXX FICO, borr S/E XXX years, significant reserves after closing, XXX% DTI, subject in C3 condition.. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX The maximum Loan amount is XXX | Document Uploaded. Uploading updated ULAW with comp factors. | 04/29/2026 | Lender exception approval provided - Ok per XXX to go up to 70% LTV and to XXX on the loan amount, comp factors, XXX FICO, borr S/E XXX years, significant reserves after closing, XXX% DTI, subject in C3 condition. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 70% exceeds Guideline LTV of 65% The maximum CLTV/LTV for a cash out refinance with loan > XXX is XXX% | Document Uploaded. Uploading updated ULAW with comp factors. | 04/29/2026 | Lender exception approval provided - Ok per XXX to go up to 70% LTV and to XXX on the loan amount, comp factors, XXX FICO, borr S/E XXX years, significant reserves after closing, XXX% DTI, subject in C3 condition.. | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCOM9842 | Compliance | Final CD: File # is missing | Final CD is missing from file | Closing disclosure | 05/06/2026 | Documentation provided is sufficient. Exception resolved.; Document Uploaded. | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 90638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Rescinded | FCRE2007 | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Missing loan agreement as required per guidelines or as referenced in the loan file. | Loan Agreement / Term Sheet is not required due to documentation covered. Rescinded condition.; Loan Agreement Present | 05/04/2026 | 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 | |||
| 90638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Cured | finding-3634 | 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 Final Inspection Fee on the CD dated XX/XX/XXXX without valid COC. Final inspection is dated XX/XX/XXXX. | PCCD, LOE, Copy of Refund Check, and Proof of Delivery; Fee (LOE) | 05/19/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Document Uploaded. ; Confirm if the initial LE was intended to disclose the appraisal review fee as appraisal re-inspection fee; Document Uploaded. | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 90644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | A | A | 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 | ||
| 90644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | A | A | 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 | ||
| 90650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Borrower is receiving XXX agent credit. Contract addendum States that the selling agent shall credit buyer XXX which is signed by buyer and seller. The loan file does not contain any documentation signed by the agent evidencing that they agreed to the credit. | Contract Addendum | 05/06/2026 | Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete.; Document Uploaded. | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.88% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.88% is less than Guideline LTV of 75% | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 90650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.88% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.88% is less than Guideline LTV of 75% | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.88% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.88% is less than Guideline LTV of 75% | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/01/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/01/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The funds for closing are $XXX. The source of funds for closing should be reflected on the loan application. Provide loan application reflecting the source of funds for closing. XXX XX/XX/XXXX | Document Uploaded. Uploading updated 1003 | 05/04/2026 | Asset Qualification Meets Guideline Requirements. | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects the borrowers live rent free. Provide a letter from representative of Trust/ XXX of XXX XXX to verify no housing payment. | XXX guidelines do not require a rent free letter, the 1003 merely needs to State so | 05/04/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 89508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 89516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Missing PDI for XXX (XXX) declared on XX/XX/XXXX. Appraisal dated XX/XX/XXXX. | Document Uploaded. Please review the PDI. | 05/12/2026 | Property Inspection Provided. | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing PDI for XXX (XXX) declared on XX/XX/XXXX. Appraisal dated XX/XX/XXXX. | Please review the PDI report. | 05/12/2026 | FEMA Post Disaster Inspection report was provided. | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves ($XXX); however, less than XXX months has been verified. An approved exception is in file to allow XXX months reserves; however, no compensating factors are noted. | Document Uploaded. ; Uploading updated ULAW with comp factors. | 05/05/2026 | Lender exception approval with compensating factors provided - Reserve requirement lowered to XXX months per XXX . Comp factors, XXX FICO, XXX% DTI with full doc, subject in well-maintained, C3 good condition. | 05/06/2026 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 89574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Acknowledged | FCRE1198 | 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) Guidelines require XXX months reserves; however, only XX/XX/XXXX months has been verified. An approved exception is in file to allow XXX months reserves; however, no compensating factors are noted. | Document Uploaded. Uploading updated ULAW with comp factors. | 05/05/2026 | ; Lender exception approval with compensating factors provided - Reserve requirement lowered to XXX months per XXX . Comp factors, XXX FICO, XXX% DTI with full doc, subject in well-maintained, C3 good condition. | 05/06/2026 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 89574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 05/05/2026 | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 89574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/05/2026 | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 89511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 89415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). 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 XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title-Lenders Title Insurance (placed in Section C of the final CD, however paid to the lender's provider). A COC was provided but deemed invalid due to reasoning provided. | Final Settlement Statement, Letter of explanation and SPL | 05/12/2026 | Received LOE - exception resolved; Received LOE - exception resolved; Document Uploaded. | 05/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 90651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 90648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing XXX Months Bank Statements for XXX XXX used for income calculation. Income is subject to recalculation once the bank Statements are received. | bank Statements | 05/08/2026 | Borrower 1 Business Bank Statements Provided; XXX bank Statements for XXX provided. ; Document Uploaded. | 05/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX 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 |
| 90648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX 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 | ||
| 90648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Acknowledged | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete. The Project Information form per XXX of realtors is in the file. Provide the HOA cert with HOA fee verified. | Acknowledged as 2/B grading per client request | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | A | A | B | B | A | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 89513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | B | B | A | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 89573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 89569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 90653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.25% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX 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 | ||
| 90653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.25% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX 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 | ||
| 90653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.25% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX 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 | ||
| 89492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Acknowledged | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Missing VVOE for B1 from XXX. (XXX page XXX – XXX). | Document Uploaded. Uploading VVOE and updated ULAW with comp factors | 05/11/2026 | Lender exception approval provided - Ok per XXX for VVOE's after funding. Comp factors XXX FICO, XXX% DTI, 47.30% LTV, significant reserves after funding. | 05/12/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Acknowledged | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Missing VVOE for B2 from XXX. (XXX page XXX – XXX). | Document Uploaded. Uploading VVOE and updated ULAW with comp factors | 05/11/2026 | Lender exception approval provided - Ok per XXX for VVOE's after funding. Comp factors XXX FICO, XXX% DTI, 47.30% LTV, significant reserves after funding. | 05/12/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 89492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 89515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | FPRO8998 | 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 | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 89515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 90640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2026 | Resolved | FPRO8998 | 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 | 05/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FPRO8998 | 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 | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | RCE | 05/15/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Insurance explanation provided. ; Document Uploaded. | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80% | 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 |
| 90652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80% | 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 | ||
| 90652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.82% is less than Guideline CLTV of 80% | 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 | ||
| 90476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX. There was no COC in file to explain why the decreased occurred. | Document Uploaded. CIC document uploaded showing lender credit decreased alongside loan amount decrease. | 06/08/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 06/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | 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 |
| 90490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 Trust Review Fee that was added on LE XX/XX/XXXX. COC in the file does not provide a valid reason why the fee was added. 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). | CIC document showing that trust review fee was added on the same day that Condition XXX was cleared after receipt of all necessary trust documents. | 06/08/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 06/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | 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 |
| 90490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/08/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | 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 | ||
| 90490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/08/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | 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 | ||
| 90473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The borrowers submitted business bank Statements for income review; however, the lender treated them as personal bank Statements. The audit income is XXX and lender income is $XXX. Using the audit income to qualify, the audit DTI is XXX%. | Document Uploaded. Uploading updated ULAW with comp factors along with CPA letter showing expense factor and updated XXXBS calculation. | 06/23/2026 | Lender exception approval provided - Ok per XXX for XXX% DTI on Platinum, comp factors, XXX FICO, no negative credit reporting, borr S/E XXX years, subject in C3 condition with recent updating. Audit's DTI of XXX% is slightly higher due to BS Income of XXX vs lender's updated income of XXX (using XXX% expense factor).; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 06/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 90473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2026 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered. | Document Uploaded. Uploading updated ULAW with comp factors along with CPA letter showing expense factor and updated XXXBS calculation. | 06/23/2026 | ATR: XXX Income or Assets Was Considered. | 06/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 90473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final Fraud Report reflecting all interested parties checked including the following: HOI, Escrow/Settlement Company, Underwriter | Document Uploaded. Uploaded DV for clearance | 06/12/2026 | All Interested Parties Checked against Exclusionary Lists | 06/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 90473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Acknowledged | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Credit Score Disclosure (FACTA). | Acknowledged as 2/B grading per client request | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | B | C | B | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 90473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 90475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.57% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.57% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.57% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | Borrower has stable job time - Borrower has XXX 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 | ||
| 90494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | Borrower has stable job time - Borrower has XXX 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 | ||
| 90494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | Borrower has stable job time - Borrower has XXX 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 | ||
| 90505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide an acceptable Verification of Rent (VOR) | Document Uploaded. Uploading XXX summary showing rent payments and full Statement to cross reference account number. The lease has a utility and services addendum (starting page XXX). Water, Sewer, Trash, Stormwater are added onto the monthly rent/lease which is why the payments vary from the amount on the lease | 06/16/2026 | Documentation is sufficient. Verification of rental payment history provided. Exception resolved. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 06/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 |
| 90505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 06/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 | ||
| 90505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX 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 | ||
| 90659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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). | Document Uploaded. CIC document uploaded showing lender credit reduction was part of a reprice. | 06/24/2026 | Valid COC provided; excpetion resolved; Valid COC provided; excpetion resolved | 06/25/2026 | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The maximum DTI for a FTHB with out a XXX month rental history is XXX% Lender exception to allow DTI to XXX% Provide XXX compensating factors. | Document Uploaded. Uploading ULAW.; Uploading updated ULAW with compensating factors. | 06/17/2026 | Lender exception approval provided - FTHB lacking XXX month rental history (XX/XX/XXXX) max XXX% DTI - exception to max XXX% DTI approved by SM XX/XX/XXXX. Comp factors, XXX FICO, borr S/E XXX years, subject in C3 condition.; No document attached. Please upload. Please also include Missing B2's residence and rent, from XX/XX/XXXX with a rent free letter or VOR as applicable in Exception approval. | 06/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects B2 has been renting for XXX months at XXX XXX and the former address reflects rent free at XXX XXX for XXX year. The VOR shows rent from XX/XX/XXXX - XX/XX/XXXX and rent free letter shows B2 lived rent free from XX/XX/XXXX-XX/XX/XXXX. Provide B2's residence and rent, from XX/XX/XXXX with a rent free letter or VOR as applicable. | This is not an exception, B1 is the primary wage earner and the file is graded as such, he has no history and the file was priced and underwritten as such. B2’s history is irrelevant and the rent free letter was not yet a guideline requirement. If unable to clear, please escalate to a supervisor for clearance.; Loan already priced with no mortgage history, so this partial history is inconsequential, as it is already underwritten as no housing history, which includes a partial history. | 06/17/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Please also include Missing B2's residence and rent, from XX/XX/XXXX with a rent free letter or VOR as applicable in the ULAW for DTI Exception approval. | 06/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | The co-borrower receives overtime and commission income and the income was used to qualify. Provide a Statement from employer that the income is likely to continue or VOE with Statement that income source is likely to continue. XXX. Income Documentation Chart | The employer uses a 3rd party for the WVOE and XXX Lending will accept 3rd party forms just as it accepted The Work Number and others, on their face to satisfy the guidelines. If the form is missing info that the employer refuses to provide, XXX will still move forward with the loan. | 06/16/2026 | Lender confirmed - If the form is missing info that the employer refuses to provide, XXX will still move forward with the loan. | 06/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX 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 | ||
| 90481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Acknowledged | FCRE1319 | Credit | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing. The borrower receives Social Security disability income. The Lender calculated the income by grossing up XXX% on the award letter by XXX% Provide the XXX tax returns to verify the income is Non-taxable. XXX V.XXX DOCUMENTATION CHART - Fixed Income | Document Uploaded. Uploading updated 1003 and ULAW with TPR’s income and comp factors; The XXX reviewer understands TPR’s calculation but is seeking clarification on where within XXX’s guidelines this required calculation is outlined. XXX has been using MGIC’s calculator, so if a change is being requested, the reviewer would appreciate TPR identifying where this requirement is referenced in the guidelines. Thank you.; Please confirm the source of the latest guidance you are referencing. XXX’s current guidance (dated XX/XX/XXXX) States: “Unproven nontaxable income: For all Social Security income (survivor benefits, SSI, issued by Social Security), it may be assumed that XXX% of the total income is nontaxable and may be grossed up without additional documentation.” Kindly upload the guidance you are using so XXX can review the calculation referenced by TPR. Thank you.; Document Uploaded. Uploading SSI income calculation supporting the XXX amount; this is the correct calculation.; Grossing up by XXX% requires tax returns. For all Social Security income (survivor benefits, SSI, issued by SocSec), it can be assumed that XXX% of the total income is not taxable and may be grossed up without additional evidence. | 06/26/2026 | The max DTI per guidelines is XXX% The subject transaction is at XXX% exceeding the guidelines maximum. However, a credit exception to allow for the higher DTI was approved by the Lender, citing compensating factors of a XXX fico score, a 55% LTV, a C3 condition and they are combining a 1st and 2nd. Acknowledged and downgraded.; Document Uploaded. Please refer to FNMA B3-XXX-XXX, Social Security Income (XX/XX/XXXX) for the non-taxable income calculation that Audit used. Also see attached MGIC Social Security Calculation that supports Audit's income.; It is XXX% of non-taxable. Then XXX% of the XXX% is grossed up. It is not XXX% of the total award. Exception remains.; Under latest guidance the XXX% x XXX% is the correct calculation without any documentation of taxable SSI income. Need the first page of a XXX or the tax transcripts to support the taxable amount of SSI income. Exception remains.; ; The non-taxable portion of the SS Income calculation is Not XXX% of the XXX% non-taxable portion. The accurate calculation is XXX x XXX% = XXX (non-taxable portion), XXX x XXX% = XXX (Gross up Amount), XXX + XXX = XXX Total SS Income. The accurate calculation increases the DTI to XXX% > XXX% DTI Max per guidelines. | 06/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The credit report reflects LSL/Enfin secured by the subject and reported XXX months through XX/XX/XXXX. Provide proof of XX/XX/XXXX payment, for most recent XXX month pay history. XXX XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 06/16/2026 | Lender exception approval provided - Ok per XXX for missing proof XX/XX/XXXX payment. Comp factors XXX FICO, 55% LTV, subject C3 condition. | 06/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 the addition of the HOA cert fee added on the LE dated XX/XX/XXXX. The re-work request on page XXX indicates the date of XX/XX/XXXX as date the lender became aware the subject was a condo however it was not disclosed timely. 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). | Document Uploaded. Please review the COE. | 07/08/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 07/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 90491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | 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 | ||
| 90491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | 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 | ||
| 90462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.72% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.72% 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 | ||
| 90464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.72% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.72% 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 | ||
| 90447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit income is XXX which caused the audit DTI of XXX% to exceed the maximum allowed DTI of XXX%. | XXX has it’s calculation in the file, may we please see yours to see where the disconnect is? | 06/19/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/22/2026 | Borrower has stable job time - Borrower has XXX 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 |
| 90447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | Borrower has stable job time - Borrower has XXX 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 | ||
| 90469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The minimum DSCR for a First Time Homebuyer is XXX. The Lender provided an exception for DSCR XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors | 06/18/2026 | Lender exception approval provided - OK per XXX M. for DSCR XX/XX/XXXX or above. Comp factors XXX FICO, 54.37% LTV, significant reserves after closing, subject C3 condition. | 06/19/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.37% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 90469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.37% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.37% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.37% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 90446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.44% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.44% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.44% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.44% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 90474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the XXX, appraisal company, title company, escrow agent, and underwriter with Exclusionary lists. | Document Uploaded. Uploaded DV for clearance | 06/30/2026 | All Interested Parties Checked against Exclusionary Lists | 07/01/2026 | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 90474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements. The gift letter reflects XXX from XXX #XXX; however, the XXX wire receipt does not reflect the source of funds. Provide a copy of the wire or bank Statement showing XXX from XXX #XXX. | Document Uploaded. Uploading wire detail referencing “from account XX-XXX” | 06/26/2026 | Asset 4 Meets Guideline Requirements Or XXX | 06/29/2026 | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 90474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The sales price was reduced by the excess IPC to calculate the LTV per Lender Guidelines. | Document Uploaded. Sales price cannot be reduced. Uploading updated ULAW with comp factors | 06/26/2026 | ; Lender exception approval provided -Ok per XXX for XXX% IPC. Comp factors 61.05% LTV, no mortgage lates, seasoned landlord, subject C3 condition. | 06/29/2026 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 90474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The purchase contract reflects Seller closing costs of $XXX; however, the settlement Statement reflects seller credit of $XXX. Provide the contract addendum reflecting seller credit $XXX. | Acknowledged as 2/B grading per client request | 06/26/2026 | C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 90474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/26/2026 | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 90484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 Fee on LE dated XX/XX/XXXX without a valid reason on the COC. 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). | Document Uploaded. Please review the COE. ; Document Uploaded. CIC document uploaded showing that the appraisal fee was increased following the receipt, review, and approval by the UW. | 07/08/2026 | 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 charge must be disclosed within XXX business days of confirming the service is needed or within XXX business days of receiving information sufficient to establish that a change has occurred, provided a there is a reason to support the increase in XXX% charge. Provide the date the lender was provided the invoice and the reason for the increase | 07/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 90484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XX/XX/XXXX. There was no COC found in the file to explain why the lender credit was removed. | Document Uploaded. CIC uploaded showing that the lender credit decreased as part of a reprice on XX/XX/XXXX. | 06/30/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 90484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender Approved Exception - P&L Program, rural property. Cannot exceed max LTV 60%. Compensating factors: Low LTV, low DTI and High Fico score XXX | Lender Approved Exception - P&L Program, rural property. Cannot exceed max LTV 60%. Compensating factors: Low LTV, low DTI and High Fico score XXX | 06/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 90484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 89749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | The Hazard Insurance on file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please provide updated hazard insurance to reflect ISAOA for proper compliance. | XXX: HOI uploaded | XXX: HOI received | 5/5/2026 | 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 | ||
| 89730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/28/2026 | 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 | ||||
| 89733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/28/2026 | 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 | ||||
| 89765 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/29/2026 | 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 | ||||
| 89742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/29/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/29/2026 | 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 | ||||
| 89736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 4/30/2026 | 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 | ||||
| 89745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Cleared | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreements for Unit XXX & XXX subject property : XXX | XXX: Lease uploaded | XXX: Lease received | 6/2/2026 | 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 | ||
| 89739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Cleared | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. Please provide updated Title. | XXX: Title Uploaded | XXX: Title Received | 5/7/2026 | 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 | ||
| 89775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/1/2026 | 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 | ||||
| 89790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter on file reflects borrower as "XXX". Please update to match LLC reflected on Security Instrument - "XXX" | XXX: CPL uploaded | XXX: CPL received | 5/5/2026 | 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 | ||
| 89790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | Title Insurance on file reflects borrower as "XXX". Please update to match LLC reflected on Security Instrument - "XXX" | XXX: Title uploaded | XXX: Title received | 5/5/2026 | 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 | ||
| 89792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. Please provide updated Title. | XXX: Title Uploaded | XXX: Title Received | 5/8/2026 | 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 | ||
| 89792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | Deed Missing or Defective | MISSING Conveyance DEED from XXX XXX to XXX XXX | XXX: Deed Uploaded | XXX: Deed Received | 5/8/2026 | 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 | ||
| 89792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | Asset Documentation Missing or Defective | Exception Request Form for borrower being short 3mos reserves is not marked 'Approved' and is not executed. | XXX: Exception Request Uploaded | XXX: Exception Request Received | 5/7/2026 | 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 | ||
| 89740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/4/2026 | 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 | ||||
| 89756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Loss of Use coverage of XXX < XXX Minimum required. Please provide updated HOI. | XXX: XXX with qualifying rent uploaded | XXX: XXX with qualifying rent received | 5/18/2026 | 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 | ||
| 89735 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/4/2026 | 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 | ||||
| 89771 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/4/2026 | 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 | ||||
| 89827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Cleared | XXXXX | Property | Appraisal Review - Missing | Missing CDA report. | XXX: CDA Uploaded | XXX: CDA Received | 5/7/2026 | 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 | ||
| 89720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter on file reflects borrower as "XXX XXX. XXX". Please update to match LLC reflected on Security Instrument - "XXX" | XXX: CPL Uploaded | XXX: CPL Received | 5/7/2026 | 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 | ||
| 89720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Loss of Use coverage of XXX < XXX Minimum required. Please provide updated HOI. | XXX: XXX with qualifying rent uploaded | XXX: XXX with qualifying rent received | 5/18/2026 | 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 | ||
| 89755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Policy does not specify terms of Loss of Rents coverage. | XXX: Policy uploaded | XXX: Policy received | 5/12/2026 | 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 | ||
| 89773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/7/2026 | 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 | ||||
| 89725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/08/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/8/2026 | 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 | ||||
| 89731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | Missing Title Insurance for the subject property : XXX XXX | XXX: Title Uploaded | XXX: Title Received | 5/15/2026 | 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 | ||
| 89731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter for the Subject Property : XXX XXX | XXX: CPL Uploaded | XXX: CPL Received | 5/15/2026 | 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 | ||
| 89795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | Deed Missing or Defective | MISSING Conveyance DEED from XXX XXX, LLC to XXX XXX | XXX: Deed Uploaded | XXX: Deed received | 5/13/2026 | 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 | ||
| 89769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/11/2026 | 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 | ||||
| 89729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/11/2026 | 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 | ||||
| 89712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/11/2026 | 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 | ||||
| 89786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/11/2026 | 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 | ||||
| 89741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/12/2026 | 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 | ||||
| 89767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/12/2026 | 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 | ||||
| 89754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/12/2026 | 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 | ||||
| 89785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | Closing Protection Letter Missing or Defective | Missing Evidence of Closing Protection Letter. | XXX: CPL uploaded | XXX: CPL received | 5/14/2026 | 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 | ||
| 89785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | Missing Evidence of Title Insurance | XXX: Title uploaded | XXX: Title received | 5/14/2026 | 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 | ||
| 89762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Cleared | XXXXX | credit | Title Insurance Missing or Defective | Preliminary Title Insurance on file does not reflect the proposed amount of coverage. | XXX: Title Uploaded | XXX: Title Received | 5/20/2026 | 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 | ||
| 89797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Policy does not include Loss of Rents coverage or the annual premuim amount. | XXX: Loss of Rents and Premium Uploaded | XXX: Loss of rents and premium received | 5/18/2026 | 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 | ||
| 89797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing lease for subject property: XXX | XXX: Lease uploaded | XXX: Lease received | 5/18/2026 | 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 | ||
| 89774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | Deed Missing or Defective | MISSING Conveyance DEED from XXX XXX to XXX XXX and XXX XXX XXX | XXX: Deed Uploaded | XXX: Deed Received | 5/16/2026 | 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 | ||
| 89774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | Title Insurance on file is illegible and reflects the incorrect loan number. Please provide updated supplment. | XXX: Title Uploaded | XXX: Title Received | 5/16/2026 | 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 | ||
| 89766 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/13/2026 | 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 | ||||
| 89743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/13/2026 | 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 | ||||
| 89726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/13/2026 | 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 | ||||
| 89787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/14/2026 | 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 | ||||
| 89828 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/18/2026 | 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 | ||||
| 89732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/19/2026 | 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 | ||||
| 89781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/19/2026 | 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 | ||||
| 89806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Cleared | XXXXX | Credit | Title Insurance Missing or Defective | Title Insurance on file does not reflect XXX om LLC as the lender. Please provide updated title. | XXX: Title uploaded | XXX: Title received | 5/28/2026 | 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 | ||
| 89777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required | XXX: Title uploaded | XXX: Title received | 5/28/2026 | 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 | ||
| 89770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | Appraisal Missing or Defective | Appraisal Missing or Defective: XXX Market Rent Estimate does not reflect market rent of ADU. Without this, the qualifying rent is XXX making the DSCR XXX which does not meet the minimum requirement of XXX. | XXX: Appraisal uploaded | XXX: Appraisal received | 6/4/2026 | 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 | ||
| 89819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/20/2026 | 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 | ||||
| 89824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/20/2026 | 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 | ||||
| 89714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file does not reflect premium amount. | XXX: Premium uploaded | XXX: Premium received | 5/22/2026 | 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 | ||
| 89802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/20/2026 | 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 | ||||
| 89814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/21/2026 | 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 | ||||
| 89759 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/21/2026 | 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 | ||||
| 89804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Cleared | XXXXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement For " XXX" | XXX: OA uploaded | XXX: OA received | 6/2/2026 | 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 | ||
| 89813 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Cleared | XXXXX | Credit | Asset Documentation Missing or Defective | Missing Settlement Statement to verify assets brought from borrower's sale in the amount of XXX listed on the Final Approval document and the URLA | XXX: HUD uploaded | XXX: HUD received | 5/27/2026 | 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 | ||
| 89801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Deed uploaded | XXX: Deed received | 5/28/2026 | 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 | ||
| 89751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/28/2026 | 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 | ||||
| 89816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 5/26/2026 | 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 | ||||
| 89809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Cleared | XXXXX | Credit | Closing Documentation Missing or Defective | Missing Evidence of Prepayment Penalty Rider or Addendum | XXX: PCCD uploaded | XXX: PCCD received | 6/11/2026 | 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 | ||
| 89810 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 6/2/2026 | 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 | ||||
| 89822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 6/3/2026 | 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 | ||||
| 89818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 6/3/2026 | 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 | ||||
| 89800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 6/3/2026 | 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 | ||||
| 89757 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2026 | Cleared | XXXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 6/4/2026 | 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 | ||||
| 90259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2026 | Cleared | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file is Missing Policy Number and Insurer. Please provide updated HOI. | XXX: HOI Uploaded | XXX: HOI Received | 8/3/2026 | 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 | ||
| 90259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2026 | Cleared | XXXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed from XXX XXX to XXX | XXX: Deed Uploaded | XXX: Deed Received | 7/29/2026 | 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 | ||
| 89763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Cleared | XXXXX | Credit | No Findings | This loan meets all applicable guidelines. | 5/13/2026 | 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 | ||||
| 89805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Cleared | XXXXX | Credit | No Findings | This loan meets all applicable guidelines. | 6/3/2026 | 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 |