Exhibit 99.5
Schedule 2 - CA Due Diligence Standard Report
| Loan Number | Seller 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) |
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Borrower Stated on the loan application that they have been renting their current residence for over XXX years. Lender’s guidelines requires housing payment history to be verified with XXX. File is missing a VOR or rental payment history. | Initial Rental Agreement, XXX, Lease Update and VOR Transactions | 06/05/2026 | Housing History Meets Guideline Requirements.; Lease evidence and Statements provided. ; Document Uploaded. | 06/08/2026 | 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 | 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 |
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/04/2026 | 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 | 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 | ||
| 646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/04/2026 | 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 | 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 | ||
| 647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers. The Right to Cancel Notice was missing for XXX the Title Only holder. | Right of Rescission | 06/11/2026 | Right of Rescission is Provided.; Document Uploaded. | 06/15/2026 | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 78.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.67% is less than Guideline LTV of 90% | D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Subject income calculated using XXX months business bank Statements from XXX per income calculation worksheet in file. File does not contain December Statement for income calculation. Guidelines State Statements must cover account activity for the most recent consecutive XXX months with qualifying income calculated using XXX% of the eligible deposits averaged over XXX months, multiplied by the expense ratio and borrowers percentage of business ownership. | Bank Statements | 06/11/2026 | XXX Statement used for income received and matches what Lender used to qualify. Income and Employment Meet Guidelines. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 78.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.67% is less than Guideline LTV of 90% | D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.67% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.67% is less than Guideline LTV of 90% | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | 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% | 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 | ||
| 648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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% | 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 | ||
| 648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | 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% | 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 | ||
| 649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% 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 57.56% is less than Guideline LTV of 80% | 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 | ||
| 649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% 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 57.56% is less than Guideline LTV of 80% | 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 | ||
| 649 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% 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 57.56% is less than Guideline LTV of 80% | 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 | ||
| 650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. | Title Report | 06/15/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX.; Updated title with $XXX coverage; Document Uploaded. | 06/16/2026 | 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 |
| 650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% Lender’s DSCR guidelines for long term rental on refinance transactions States If there is no lease in place, use the market rent from the appraisal. Maximum 70% LTV/CLTV. Unit XXX is vacant and therefore market rent was used to qualify which restricted the lev to XXX% maximum. Subject loan exceeded the XXX% maximum LTV. | Leases | 06/15/2026 | Audited LTV of 80% is less than or equal to Guideline LTV of 80%; Lease for Unit XXX provided. LTV ; Document Uploaded. | 06/16/2026 | 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 |
| 650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | 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 | ||
| 650 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 | ||
| 651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 | ||
| 652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing. Borrower 2 IRS Transcripts Missing for XXX and XXX | Borrower 2 IRS Transcripts | 06/17/2026 | Borrower 2 IRS Transcripts Provided or XXX (Number of Borrowers equals XXX).; Borrower 2 W2 Transcripts Provided and matches W2's in file. Condition cleared.; Document Uploaded. | 06/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.36% is less than Guideline LTV of 90% | 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 | 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 |
| 652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Note, First Payment or fully executed CD to document P&I payment for property located at XXX XXX received evidence of taxes, insurance and HOA payment however need to document the XXX and Interest Payment | Note | 06/17/2026 | Verification of taxes, insurance and HOA Fees provided.; P/I payment for REO property located at XXX received and matches what Lender used to qualify. Condition cleared.; Document Uploaded. | 06/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.36% is less than Guideline LTV of 90% | 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 | 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 |
| 652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.36% is less than Guideline LTV of 90% | 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 | 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 | ||
| 652 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.36% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.36% is less than Guideline LTV of 90% | 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 | 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 | ||
| 653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing. Missing XXX months bank Statements used for qualifying income. Income is subject to recalculation once bank Statements are received | Business Bank Statement | 06/11/2026 | Borrower 1 Business Bank Statements Provided.; XXX months business bank Statements received and supports income used to qualify. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 | |
| 653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX months bank Statements used for qualifying income. Income is subject to recalculation once bank Statements are received | Business Bank Statement | 06/11/2026 | Income and Employment Meet Guidelines.; XXX months business bank Statements received and supports income used to qualify. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 | |
| 653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met. downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | 06/09/2026 | 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 | |||
| 653 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 | |||
| 654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | 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 | ||
| 654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | 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 | ||
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 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 XXX Search added to CD XX/XX/XXXX without a COC and XXX to XXX for the loan discount added to CD XX/XX/XXXX. A COC was provided for the loan discount points, but because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. | Closing Disclosure_XXX_Tract Fee; ICD_XXX and audit log XXX | 06/17/2026 | Valid COC with applicable CD provided; exception resolved ; Document Uploaded. ; 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 Tract search fee on CD XX/XX/XXXX without a COC. COC in file dated XX/XX/XXXX does not reference the tract search fee. ; 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. | 06/17/2026 | 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 38.23% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.23% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX months business bank Statements for XXX XXX used for qualifying income. | Business bank Statement and XXX XXX_Bank Statement Analysis; Bank Statement | 06/11/2026 | XXX months business bank Statements received and supports what Lender used to qualify. Income and Employment Meet Guidelines. Condition cleared.; Document Uploaded. ; Document Uploaded. | 06/12/2026 | 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 38.23% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.23% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Please provide documentation to support XXX account balance XXX with a payment of XXX reflected on Final 1003, not reflected on credit report | UDM Alert for New XXX | 06/11/2026 | PreClose Monitoring report received confirming new XXX payment and balance used by lender to qualify. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 38.23% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.23% 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 | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | 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's 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; orthel 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 transaction The 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. (Per XXX, ICD issued XX/XX/XXXX) | Initial CD | 06/11/2026 | Initial CD provided - exception resolved; Document Uploaded. | 06/12/2026 | 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 38.23% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.23% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 38.23% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.23% 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 | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | 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 | ||
| 656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 | ||
| 656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | 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 | ||
| 657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Documentation to verify income not contained in loan file. | Income | 06/11/2026 | Income and Employment Meet Guidelines.; XXX months of business bank Statements provided and supports income used to qualify. Income and Employment Meet Guidelines. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 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 | 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 |
| 657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide Approval/Underwriting Summary not contained in loan file. | UW Approval and comments | 06/11/2026 | Approval/Underwriting Summary is fully present; Document Uploaded. | 06/12/2026 | 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 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 | 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 |
| 657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing. Provide Personal or business bank Statements for XXX XXX covering account activity for the most recent consecutive XXX or XXX-month period, to evaluate bank Statement income. | Bank Statements | 06/11/2026 | Borrower 1 Business Bank Statements Provided.; XXX months of business bank Statements provided and supports income used to qualify. Income and Employment Meet Guidelines. Condition cleared.; Document Uploaded. | 06/12/2026 | 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 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 |
| 657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | 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 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 | ||
| 657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 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 | ||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 80% is less than Guideline LTV of 90% | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 80% is less than Guideline LTV of 90% | 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | 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 | ||
| 659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | 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 | ||
| 659 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | 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 | ||
| 660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 660 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | 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's 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; orthel 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 transaction The 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed XX/XX/XXXX The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation XX/XX/XXXX. (Per XXX in file, ICD was sent on XX/XX/XXXX) | Closing disclosure | 06/11/2026 | Initial CD provided - exception resolved; Initial CD provided - exception resolved; Document Uploaded. | 06/15/2026 | 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 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 | 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 |
| 661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 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 a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal desk review fee. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. | Changed circumstance letter | 06/11/2026 | Initial CD provided - exception resolved; Initial CD provided - exception resolved; Document Uploaded. | 06/15/2026 | 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 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 | 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 |
| 661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | 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 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 | 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 | ||
| 661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | 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 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 | 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 | ||
| 662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a. | Informational | 06/11/2026 | 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 | ||
| 664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | 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 | ||
| 664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | 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 | ||
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing. Missing XXX months business bank Statements used for qualifying. Income subject to recalculation once bank Statements are received | XXX months bank Statement | 06/15/2026 | Borrower 1 Business Bank Statements Provided.; XXX bank Statements provided. ; Document Uploaded. | 06/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing XXX months business bank Statements used for qualifying. Income subject to recalculation once bank Statements are receive | XXX months bank Statement | 06/15/2026 | Income and Employment Meet Guidelines.; XXX provided. ; Document Uploaded. | 06/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide evidence of insurance premium for property located at XXX | XXX XXX_Not obligated as LLC owns | 06/17/2026 | Verification of taxes, insurance and HOA Fees provided.; REO property located at XXX is owned by an LLC and is a commercial property of which Borrower is not personally liable. Lender included taxes/insurance into DTI conservatively. No additional documentation needed. Condition cleared.; Document Uploaded. | 06/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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. An 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. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and Written List of Service Providers issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | SSPL provided on XX/XX/XXXX with Initial LE dated XX/XX/XXXX – within XXX days of application; Initial loan estimate | 06/17/2026 | Initial LE with SSPL provided; exception resolved; Initial LE with SSPL provided; exception resolved; Document Uploaded. ; file did not contain an SSPL dated within XXX days of the XXX therefore all fees in section C are included in the XXX% tolerance calculation ; 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).; Document Uploaded. | 06/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orthel homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Home Owner Counselling | 06/15/2026 | HOC dated within XXX days of the XXX; exception resolved; HOC dated within XXX days of the XXX; exception resolved; Document Uploaded. | 06/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Loan Estimate | 06/15/2026 | LE dated within XXX days of the XXX; exception resolved; LE dated within XXX days of the XXX; exception resolved; | 06/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. | Loan Estimate | 06/15/2026 | LE dated within XXX days of the XXX; exception resolved; LE dated within XXX days of the XXX; exception resolved; Document Uploaded. | 06/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 90% | 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 | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Appraisal is Missing | Appraisal is Missing. | Appraisal and Appraisal Review | 06/15/2026 | Appraisal is Present or is Waived; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Flood Certificate Missing | Missing Flood Certificate. | Flood Certificate. | 06/15/2026 | Flood Certificate is fully present.; Flood provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The third party rent report is missing from the file, therefore DSCR percentage unable to be calculated. | Appraisal and appraisal Review | 06/15/2026 | Qualifying DSCR meets Guidelines; Appraisal and XXX provided with rent amount of $XXX.; ; Qualifying DSCR of XXX is less than guideline minimum requirement of XXX.; Appraisal summary and appraisal provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third party valuation product provided within tolerance. | 06/16/2026 | 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 | 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 | ||
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Fraud Report. | 06/15/2026 | Third Party Fraud Report is provided.; Fraud provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Was lowest appraised value used to qualify is No | Two appraisals in file, however the lowest appraised value was not used to qualify. | Valuation used for LTV meets guidelines. | 06/16/2026 | 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 | 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 | ||
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | Credit Report | 06/15/2026 | Borrower 1 Credit Report is not missing.; Credit Report provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. | Credit Report | 06/15/2026 | Borrower 2 Credit Report is not missing.; Credit Report provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | 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 | 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 | ||
| 667 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Note is Missing | The Note is Missing. Unable to locate executed Note in file. | Note | 06/15/2026 | The Note is Present.; Note provided. ; Document Uploaded. | 06/16/2026 | 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 53.57% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | 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 |
| 667 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | 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 53.57% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.57% is less than Guideline CLTV of 80% | 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 | ||
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. U/W notes: Seller XXX fraud report and Collateral Alert (CA) are required for all loan transactions. Neither document is currently present in the loan file. Both reports must be obtained | Fraud Report | 06/15/2026 | Third Party Fraud Report is provided.; Fraud report provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Flood Certificate Missing | Missing Flood Certificate. U/W note: Standard flood zone determination certificate is required per FNMA guidelines and XXX program requirements for all loan transactions. Subject property is located at XXX XXX — flood certification must be obtained and placed in the loan file | Flood certificate | 06/15/2026 | Flood Certificate is fully present.; Flood Cert provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. U/W note: Per XXX guidelines, hazard insurance must follow XXX requirements and updates per Lender Letter XXX-XXX. The ALTA Settlement Statement reflects homeowner's insurance premium paid to XXX. in the amount of XXX at closing; however, the executed hazard insurance policy/declarations page is not present in the loan file and must be obtained and uploaded | Hazard Insurance Policy | 06/15/2026 | Hazard Insurance Policy is fully present.; HOI provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Appraisal is Missing | Appraisal is Missing. U/W note: Per XXX guidelines, a full appraisal is required for all purchase transactions with a loan amount ≤$XXX, plus a Third-Party Desk Review or CU Score of XX/XX/XXXX or lower. Appraisal has been ordered through XXX Appraisal XXX — appraiser XXX, License #XXX — however, the completed report is not currently present in the loan file. Appraisal must be received and uploaded to the file prior to purchase t | Appraisal report | 06/15/2026 | Appraisal is Present or is Waived; Appraisal and UCDP provided. ; Document Uploaded. | 06/16/2026 | 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 | 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 |
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. U/W note: Per XXX guidelines, all purchase transactions with a loan amount ≤$XXX require a full appraisal plus a Third-Party Desk Review or CU Score of XX/XX/XXXX or lower. Subject property appraised value is XXX against a sales price of XXX — a variance of approximately XXX%. Third-Party Desk Review or acceptable BPO from an approved vendor (XXX, XXX, XXX, or XXX) has not been provided or does not fall within the required XXX% tolerance. Required document must be obtained | Third party valuation product provided within tolerance. | 06/16/2026 | 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 | 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 | ||
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing. | Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved by XXX; Purchase Contract Doc is not Missing, or is XXX.; Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved by XXX; Purchase Contract Doc is not Missing, or is XXX.; Purchase Contract Doc is not Missing, or is XXX. | 06/16/2026 | 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 | 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 | ||
| 668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | 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 | 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 | ||
| 669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Appraisal company (XXX) has not been checked against the exclusionary lists. | Fraud report | 06/18/2026 | All Interested Parties Checked against Exclusionary Lists; Fraud report provided with full exclusionary list checked.; Document Uploaded. | 06/19/2026 | 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 |
| 669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | 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 | ||
| 669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | 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 | ||
| 670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | 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 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.71% 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 | ||
| 670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | 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 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.71% 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 | ||
| 670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | 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 64.71% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.71% 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 | ||
| 671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 Recording Fee added on the CD dated XX/XX/XXXX. | Recording fees; Recording fee Letter of explanation ; Closing Disclosure | 06/22/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. ; The documentation provided indicates "I believe it was for recording the POA", please confirm if this was the reason and the date the lender determined the change was reqiuired; Document Uploaded. ; The COC does not list a reason for the recording fees to increase; provide clarification or cure package; Document Uploaded. | 06/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 90% | 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 |
| 671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 90% | 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 | ||
| 671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 90% | 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 | ||
| 672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The purchase contract reflects an individual seller name while title vested in an LLC. Please provide LLC documentation establishing the individual’s ownership interest or signing authority for the LLC, or an updated contract reflecting the LLC as the seller with the individual signing as authorized representative. | OH SOS ACTIVE | 06/16/2026 | Purchase Contract Doc is complete.; LLC and identity verified. ; Document Uploaded. | 06/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 |
| 672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | 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 | ||
| 673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 674 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 674 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 674 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. The HOI available in file States XX/XX/XXXX as start date. | Insurance policy | 06/22/2026 | 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.; Document Uploaded. | 06/23/2026 | 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 |
| 675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Borrower 2 Photo ID and/or executed Patriot Act Disclosure are missing from file. Patriot Act Disclosure in file is blank. | Patriot Act Disclosure | 06/22/2026 | Photo Identification provided.; Patriot Act provided.; Document Uploaded. | 06/23/2026 | 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 |
| 675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing. Borrower 1 IRS W2 Transcripts for XXX and 2025Missing. | Borrower 1 IRS Transcripts | 06/17/2026 | Borrower 1 IRS Transcripts Provided.; Borrower 1 W2 Transcripts Provided and matches W2's in file. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please document all expense for property located at XXX including HELOC with XXX XXX, Taxes, Insurance and any applicable HOA dues | Document all expense for property | 06/17/2026 | Verification of taxes, insurance and HOA Fees provided.; PITIA for departure residence located on XXX received. Condition cleared.; Document Uploaded. ; | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery Confirmation | 06/17/2026 | Evidence of appraisal delivery provided.; Document Uploaded. | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing. | Purchase Contract | 06/17/2026 | Purchase Contract Doc is not Missing, or is XXX.; Signed Purchase Contract received. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Please provide documentation to support qualifying payment used for property taxes for the subject XXX | Tax Calcs and Bill | 06/17/2026 | Documentation to support calculation of property taxes on subject property received. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Closing/Final Verbal VOE | Missing Verbal Verification of Employment obtained no more than XXX business day prior to the Note for borrower and co borrower | Verbal Verification of Employment | 06/17/2026 | VVOE dated within XXX business days of XXX received for both Borrowers. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 64.86% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.86% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing. | Purchase Contract | 06/17/2026 | Purchase Contract Doc is not Missing, or is XXX.; Fully executed Purchase Contract and counter received. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 63.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.71% is less than Guideline CLTV of 90% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 63.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.71% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 63.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.71% is less than Guideline CLTV of 90% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 | ||
| 678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Required | Condo Warranty | 06/18/2026 | Condo Approval is provided.; XXX AND PUD WARRANTY FORM provided. Dated XX/XX/XXXX; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Flood Certificate Missing | Missing Flood Certificate. Flood certificate is required | Flood certificate | 06/18/2026 | Flood Certificate is fully present.; Flood Cert provided. ; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing. HO-6 Insurance Policy is required | Insurance | 06/18/2026 | HO-6 Insurance Policy is fully present.; Insurance coverage for XXX XXX as well as subject coverage provided.; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy. HO-6 Master Insurance Policy is required | Insurance | 06/18/2026 | HO-6 Master Insurance Policy is fully present.; Insurance coverage for XXX XXX as well as subject coverage provided.; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX is required | XXX form | 06/18/2026 | Approval/Underwriting Summary is fully present; XXX provided. ; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing Third Party Fraud Report. | Fraud report | 06/18/2026 | Third Party Fraud Report is provided.; Fraud Report dated XX/XX/XXXX. ; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX appraisal delivery | 06/18/2026 | Evidence of appraisal delivery provided.; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing. | Contract | 06/18/2026 | Purchase Contract Doc is not Missing, or is XXX.; Contract and addendums provided. ; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Please provide documentation to support qualifying HOA payment of XXX condo questionnaire reflects payment is XXX appraisal reflects XXX | 1003 | 06/23/2026 | Lender provided updated 1008 and 1003 with HOA of XXX ; Document Uploaded. | 06/24/2026 | 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 | B | A | B | A | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | D | D | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Note is Missing | The Note is Missing. Missing of Note in file. | Note | 06/17/2026 | The Note is Present.; Subject Note received. Condition cleared.; Document Uploaded. | 07/17/2026 | 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 |
| 680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Application Fee of XXX Processing Fee of XXX Underwriting Fee of XXX Discount Points of XXX MERS of XXX Credit Verification Fee of XXX Electronic Recording Service Fee of XXX Title CPL of XXX Title E-Mai Fee of XXX Recording Service Fee of XXX Pre-Paid Interest of XXX and XXX's Fee of $XXX. | PCCD LOE check ; ECO Valuation waiver | 06/26/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Application Fee of XXX Processing Fee of XXX Underwriting Fee of XXX Discount Points of XXX MERS of XXX Credit Verification Fee of XXX Electronic Recording Service Fee of XXX Title CPL of XXX Title E-Mai Fee of XXX Recording Service Fee of XXX Pre-Paid Interest of XXX and XXX's Fee of $XXX.; Document Uploaded. | 06/29/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Loan file is missing the fraud report | Consumer Access Clear Alert; Fraud report | 06/26/2026 | Third Party Fraud Report is provided. Alerts satisfied; ; Document Uploaded. ; Fraud Report received confirms LO/Subject loan was selected for internal audit. Please provide corresponding documentation used to clear the High Alerts associated with the Loan Officer. Thank you.; Document Uploaded. | 06/29/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Borrower received XXX which is reflected on the final CD. Loan file contains the wire transfer receipt, however a gift letter was not found in the loan file. | Gift letter | 06/22/2026 | Gift letter provided. ; Asset Qualification Meets Guideline Requirements.; Document Uploaded. ; | 06/23/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal delivery | 06/22/2026 | Evidence of appraisal delivery provided.; Document Uploaded. | 06/23/2026 | 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 | B | A | D | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Flood Certificate Missing | Missing Flood Certificate. Loan file is missing the flood certificate | Flood Certificate | 06/17/2026 | Flood Certificate is fully present.; Document Uploaded. | 06/18/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 681 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing. | Purchase Contract Doc is not Missing, or is XXX. | 06/16/2026 | 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 | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided. Title reflects an informational XXX-month chain of title listing Instrument Numbers XXX and XXX The file does not contain the recorded deeds supporting these transfers. Please provide the recorded deed(s). | Recorded Deeds | 06/22/2026 | Satisfactory Chain of Title has been provided.; Document Uploaded. | 07/02/2026 | 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 | 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 |
| 682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report. The fraud report (MERS Section) identifies an active, undisclosed mortgage for XXX with an original loan amount of XXX and a XXX of XX/XX/XXXX, confirming the Borrower’s personal liability. This property and its associated mortgage were omitted from the loan application and DTI calculation. Although, the XXX account ending in XXX show two payments made to XXX (XXX per MERS) on XX/XX/XXXX and XX/XX/XXXX, the obligation cannot be excluded because a XXX-month consecutive history of business-paid payments has not been established. Please provide an updated loan application disclosing this additional property and verification of the full PITIA for DTI inclusion, and a complete, satisfactory payment history, as the credit report reflects payment history activity only through XX/XX/XXXX transfer date and the bank Statements verify only two subsequent payments. | The loan is in the name of the LLC and the payments made for the mortgage were made from the corresponding LLC Bank account. There haven’t been XXX payments since the first payment was in XXX | 07/02/2026 | Potential Fraud Reflected on Fraud Report is Resolved or None Exists.; Document Uploaded. | 07/02/2026 | 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 | 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 |
| 682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | 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 | ||
| 682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | 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 | ||
| 683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 | ||
| 684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 | ||
| 684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 56.23% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.23% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 56.23% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.23% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 56.23% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.23% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 686 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX XXX stmt date ending XX/XX/XXXX | Bank Statement | 06/17/2026 | Asset Record XXX Meets G/L Requirements Or XXX.; March XXX Statement for XXX received. Condition cleared.; Document Uploaded. | 06/18/2026 | 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 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% | 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 |
| 686 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 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% | 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 | ||
| 686 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 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% | 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 | ||
| 687 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 | |||
| 687 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | |||
| 687 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | |||
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided tot he consumer within XXX business days of application, XXX. | HOMEOWNERSHIP COUNSELING ORGANIZATIONS DISCLOSURE ; Homeownership counseling disclosure | 06/24/2026 | HOC provided dated within XXX days of the app date; exception resolved; HOC provided dated within XXX days of the app date; exception resolved; Document Uploaded. ; HOC list provided was not dated within XXX days of the application ; Document Uploaded. | 06/24/2026 | 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. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | 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 |
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery. the exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX, as the earliest available LE is dated XXX. Please provide the Initial LE issued within XXX business days of the XXX of XXX. Additional testing will be completed, once the Initial LE is provided. | Initial Loan Estimate | 06/22/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; 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).; 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. | 06/22/2026 | 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. | 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 |
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | 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. The Initial Closing Disclosure dated XX/XX/XXXX per the lender's compliance report is missing from the loan file. The violation can be cured by providing proof of delivery/receipt of the Initial CD at least days prior to closing. | Initial Closing Disclosure | 06/22/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 06/22/2026 | 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. | 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 |
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and Written List of Service Providers issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Initial Loan Estimate | 06/22/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. | 06/22/2026 | 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. | 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 |
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX. The violation can be cured by providing the Initial LE within XXX days of the XXX. | Initial Loan Estimate | 06/22/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. | 06/22/2026 | 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. | 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 |
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | 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. | 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 | ||
| 688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | 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. | 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 | ||
| 689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 | ||
| 689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | PITI XXX XXX | 06/24/2026 | REO evidence provided including currency exchange, etc. Resolved. ; Verification of taxes, insurance and HOA Fees provided.; Document Uploaded. | 06/25/2026 | 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% | 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 |
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | 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% | 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 | ||
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | 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% | 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 | ||
| 690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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% | 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 | ||
| 691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Property Title Issue | Property Title Issue. Title report reflects a Judgment for XXX entered on XX/XX/XXXX and recorded on XX/XX/XXXX. Delinquent taxes were paid off on CD. Evidence of the judgment being paid/released was not found in the loan file. | Payment Confirmation | 06/30/2026 | Property Title Issue Resolved.; Email confirming the judgment was settled/PIF provided; finding resolved.; Document Uploaded. | 07/02/2026 | 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 56.18% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 70% | 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 |
| 691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 56.18% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 70% | 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 | ||
| 691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 56.18% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.18% is less than Guideline LTV of 70% | 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 | ||
| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | 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 | ||
| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | 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 | ||
| 692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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 | ||
| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/16/2026 | 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 | ||
| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/16/2026 | 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 | ||
| 693 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/16/2026 | 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 | ||
| 694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Provide a copy of XXX month business bank Statement for the XXX #XXX | Business Bank Statement | 06/23/2026 | Income and Employment Meet Guidelines.; Document Uploaded. | 06/24/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% | 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 |
| 694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income 1 Months Income Verified is Missing | Income 1 Months Income Verified is Missing. issing XXX months XXX Bank Statements acct number ending in XXX XXX Statement only | Business Bank Statement | 06/23/2026 | Income 1 Months Income Verified is Present Or XXX.; Document Uploaded. | 06/24/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% | 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 |
| 694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing. Provide a copy of XXX month business bank Statement for the XXX #XXX | Business Bank Statement | 06/23/2026 | Borrower 1 Business Bank Statements Provided.; Document Uploaded. | 06/24/2026 | 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% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% | 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 |
| 694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% | 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 | ||
| 694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.5% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 80% | 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 | ||
| 695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Preliminary report in file does not reflect how the title will be vested and it also does not show the title coverage amount. | Title supplement | 06/24/2026 | Title Document is fully Present.; Document Uploaded. | 06/25/2026 | 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% | 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% | 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 |
| 695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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. | 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 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% | 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 | ||
| 695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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% | 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% | 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 | ||
| 696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 Discount Point Fee on the final CD issued on XX/XX/XXXX without a valid 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). | Closing disclosure | 06/22/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying 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 | 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 |
| 696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying 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 | 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 | ||
| 696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Qualifying 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 | 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 | ||
| 697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Hazard Insurance has an effective date of XX/XX/XXXX, which is after the Disbursement Date of XX/XX/XXXX. Therefore, revised Hazard Insurance is required with an effective date on or before the Disbursement Date. | Insurance | 06/26/2026 | 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.; Document Uploaded. | 06/29/2026 | 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 |
| 697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company (XXX) was not checked against the exclusionary lists. | Fraud Report | 06/25/2026 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/29/2026 | 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 |
| 697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% 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 | ||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% 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 | ||
| 698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% 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 | ||
| 699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | 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 | ||
| 699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | 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 | 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 | ||
| 700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | 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 | ||
| 700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | 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 | ||
| 701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing. For XXX and XXX-XXX, income cannot be calculated due to missing bank Statements for both employments; although a CPA letter confirming ownership is available, lender income was used for qualification, and bank Statements are required to calculate auditor income. | Bank Statement of XXX and XXX-XXX | 06/25/2026 | Borrower 1 Business Bank Statements Provided.; Document Uploaded. | 06/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.85% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.85% is less than Guideline LTV of 85% | 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 |
| 701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. For XXX and XXX-XXX XXX, income cannot be calculated due to missing bank Statements for both employments; although a CPA letter confirming ownership is available, lender income was used for qualification, and bank Statements are required to calculate auditor income. | Bank Statements of XXX and XXX-XXX XXX | 06/25/2026 | Statements provided. XXX; Income and Employment Meet Guidelines.; Document Uploaded. | 06/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.85% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.85% is less than Guideline LTV of 85% | 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 | 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 |
| 701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - As Stated New mortgage in Final 1003 the account is not listed in Mortgage and Missing of Source document in file. Missing verification of taxes, insurance, and/or HOA fees for non-subject property. | Insurance policy (XXX ROE Docs) | 06/25/2026 | Payment tax and insurance provided. ; Verification of taxes, insurance and HOA Fees provided.; Document Uploaded. | 06/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.85% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.85% is less than Guideline LTV of 85% | 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 |
| 701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.85% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.85% is less than Guideline LTV of 85% | 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 | ||
| 701 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.85% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.85% is less than Guideline LTV of 85% | 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 | ||
| 702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Property Title Issue | Property Title Issue. Online Secretary of State records, the Certificate of Good Standing, the Operating Agreement, Note, and title vesting all reflect the legal entity name as “XXX”. However, the Resolution executed at closing references “XXX”, creating a name spelling inconsistency within the closing documents. A corrected resolution or brief written confirmation is required to align the authorization document with the entity’s legal name. | Resolution | 06/30/2026 | Documentation is sufficient. Resolution provided. Exception resolved. ; Property Title Issue Resolved.; Document Uploaded. Updated Appraisal ; Countered - Client sent in appraisal. Condition States, "Property Title Issue. Online Secretary of State records, the Certificate of Good Standing, the Operating Agreement, Note, and title vesting all reflect the legal entity name as “XXX”. However, the Resolution executed at closing references “XXX”, creating a name spelling inconsistency within the closing documents. A corrected resolution or brief written confirmation is required to align the authorization document with the entity’s legal name." | 07/02/2026 | 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 58.94% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.94% is less than Guideline CLTV of 80% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal report in the file is incomplete. Pages XXX through XXX of XXX are missing, including the appraiser's certification and signature page. A complete appraisal is required. | Updated appraisal | 06/26/2026 | Property/Appraisal Meets Guidelines.; Document Uploaded. ; Document Uploaded. | 06/29/2026 | 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 58.94% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.94% is less than Guideline CLTV of 80% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline LTV of 90% | 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 56.52% is less than Guideline CLTV of 90% | 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 | ||
| 703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline LTV of 90% | 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 56.52% is less than Guideline CLTV of 90% | 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 | ||
| 703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline LTV of 90% | 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 56.52% is less than Guideline CLTV of 90% | 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 | ||
| 704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Lease Agreement | For XXX , an amount of XXX was used as rental income; however, the supporting document is missing from the file. | The property in question was the borrowers primary residence which they are converting to an investment property so there wouldn’t have been a lease yet. We have the XXX Rent Schedule in file that supports the XXX market rent that we used. It starts on page XXX of the loan file. | 06/25/2026 | XXX provided; finding resolved.; | 06/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 |
| 704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 | ||
| 704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 | ||
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Lender guidelines requires XXX months evidence of receipt via service provide for short term rental refinance transaction. Guideline States to use the lower of the XXX month average or the market rent as qualifying income. Loan file is missing the XXX months receipt via service provider. | XXX ledger | 07/08/2026 | Report for March XXX XX/XX/XXXX Ledger provided. ; Income and Employment Meet Guidelines.; Document Uploaded. | 07/27/2026 | 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 |
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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). Replacement cost estimate was not found in file. | RCE Rebuttal | 07/08/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded. | 07/27/2026 | 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 |
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. XXX bank Statement is a business account for XXX. ownership of the business is not documented in file therefore audit is not using the funds in this account. File also contains another Statement form XXX, ownership is also not documented for this company therefore funds were not used. This caused a shortage in reserves | Proceeds | 07/24/2026 | Confirmation of receipt of funds provided; finding resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Document Uploaded. ; XXX accounts were applied to the assets as documentation showing ownership provided. Reserves accounted for are XX/XX/XXXX months; Short required reserves as we are missing documentation for the proceeds from secured loans mentioned on the 1003. Per guides, required reserves are XXX months for DSCR no-cash-out. | 07/27/2026 | 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 |
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | 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 bank Statement is a business account for XXX. ownership of the business is not documented in file therefore audit is not using the funds in this account. File also contains another Statement form XXX, ownership is also not documented for this company therefore funds were not used. This caused a shortage in reserves | Proceeds | 07/24/2026 | Confirmation of receipt of funds provided; finding resolved.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Document Uploaded. ; XXX accounts were applied to the assets as documentation showing ownership provided. Reserves accounted for are XX/XX/XXXX months; Short required reserves as we are missing documentation for the proceeds from secured loans mentioned on the 1003. Per guides, required reserves are XXX months for DSCR no-cash-out. | 07/27/2026 | 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 |
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. XXX bank Statement is a business account for XXX. ownership of the business is not documented in file therefore audit is not using the funds in this account. File also contains another Statement form XXX, ownership is also not documented for this company therefore funds were not used. Without these funds the borrower is short funds to close | XXX and XXX | 07/17/2026 | Client provided evidence of ownership of businesses therefore assets used to qualify. New conditions for short reserves opened. ; Verified Liquid Assets are sufficient for closing.; Document Uploaded. | 07/27/2026 | 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 |
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | 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 | ||
| 706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | 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 | ||
| 708 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 708 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | 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 | ||
| 708 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing. Deed is missing. Provide the final Deed of trust. | Deed of trust | 06/25/2026 | The Deed of Trust is Present.; Document Uploaded. | 06/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.1% 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 | 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 |
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Deed is missing. Provide deed and all riders. | Deed of trust | 06/25/2026 | The 1-4 Family Rider is Present; Rider provided - Condition does not clear along with DOT correction - Had to manually move forward; Document Uploaded. | 06/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.1% 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 | 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 |
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.1% 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 | 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 | ||
| 709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.1% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.1% 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 | 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 | ||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Exception approved for less than XXX year XXX Comp Factors: FICO: XXX DTI: XX/XX/XXXX. LTV: XX/XX/XXXX | Exception approved for less than XXX year XXX Comp Factors: FICO: XXX DTI: XX/XX/XXXX. LTV: XX/XX/XXXX | 06/23/2026 | 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 | ||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/23/2026 | 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 | ||
| 710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/23/2026 | 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 | ||
| 711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing. Borrower 1 IRS W2 Transcripts Missing. | W2 | 07/07/2026 | Borrower 1 IRS Transcripts Provided.; Document Uploaded. | 07/08/2026 | 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% | 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 |
| 711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | 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% | 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 | ||
| 711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | 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% | 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 | ||
| 712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.24% is less than Guideline LTV of 75% | 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 61.24% 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 | 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 | ||
| 712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.24% is less than Guideline LTV of 75% | 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 61.24% 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 | 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 | ||
| 712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.24% is less than Guideline LTV of 75% | 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 61.24% 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 | 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 | ||
| 713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% 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 | ||
| 713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% 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 | ||
| 713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% 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 | ||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert. Please provide documentation to support qualifying tax payment. Tax Cert Missing for subject property | Property Tax Cert Provided.; Document Uploaded. | 07/27/2026 | 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 | ||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | 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 | ||
| 714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | 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 | ||
| 715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.52% 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 9.52% is less than Guideline CLTV of 60% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.52% 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 9.52% is less than Guideline CLTV of 60% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Collateral desktop analysis (CDA) page no :XXX | 06/29/2026 | Documentation is sufficient. CDA provided. Exception resolved.; Third party valuation product provided within tolerance.; Document Uploaded. | 06/30/2026 | 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 |
| 716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/25/2026 | 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 | ||
| 716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | 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 | ||
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. There are inconsistencies and red flags surrounding the occupancy of the subject property. LOX from borrower States that he is leasing the subject for XXX per month but does not have a lease yet and a lease was not provided. Appraisal reflects that the subject is tenant occupied. Borrower Stated on the loan application that he has been renting his current residence at XXX for XXX years, however the lease agreement in file States that the rental term began on XX/XX/XXXX. VOR also States the borrower began renting on XX/XX/XXXX which is also different from the lease agreement. Borrower’s IRS documentation for XXX, XXX, the subject mortgage Statement and bank Statements all reflect the subject address as the mailing address. Business owners typically do not list a rental property as their mailing address. Credit report reflects the borrower’s current address as XXX and XXX (subject). The primary address XXX is not reflected on the credit report. An older dated IRS EIN documentation for XXX reflect that the borrower’s address was previously XXX the borrower later changed the address to the subject’s address. Landlord’s signature/handwriting also appears to be different when compared to the lease agreement and the VOR. Consumer ID information on the fraud report reflects the subject as borrower’s address which was last reported as recent as XX/XX/XXXX. | Lease agreement and Verification of rent (VOR) | 07/06/2026 | Intent of borrower's occupancy supported; Verification of Rent and Executed Lease Agreement have been received. ; Document Uploaded. | 07/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% 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 | 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 |
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Lease Agreement | Appraisal report States that the subject is tenant occupied. LOX from borrower States that he is leasing the subject for XXX per month but do not have a lease yet. Lender should have required the lease agreement since the guidelines requires the lower of the executed lease agreement or market rent. Without a verified lease agreement audit cannot determine if the lease is less than the estimated market rent. | Lease agreement | 07/06/2026 | Executed Lease Agreement received.; Document Uploaded. | 07/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% 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 | 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 |
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% 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 | 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 | ||
| 717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% 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 | 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 | ||
| 718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Seller’s real eState agent was not checked against the exclusionary lists. | Fraud report -Exclusionary Lists page no #XXX | 07/02/2026 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% 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 | 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 |
| 718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% 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 | 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 | ||
| 718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% 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 | 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 | ||
| 719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 07/06/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 90% | 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 | ||
| 719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 90% | 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 | ||
| 719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 90% | 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 | ||
| 720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% 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 | ||
| 720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% 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 | ||
| 720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% 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 | ||
| 721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. XXX appraiser has not been checked against the exclusionary lists. | Updated Fraud report | 07/01/2026 | Documentation is sufficient. Updated Fraud report provided. Exception resolved.; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/06/2026 | 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 | 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 |
| 721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 | 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 | ||
| 721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | 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 | 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 | ||
| 722 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | 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 | ||
| 722 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 | ||
| 722 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | 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 | ||
| 723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.85% is less than Guideline LTV of 60% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.85% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.85% is less than Guideline LTV of 60% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.85% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.85% is less than Guideline LTV of 60% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.85% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) 1003 reflects Assets in bank accounts totaling XXX and secured funds of XXX File contains Statements and printout from XXX supporting XXX balance after deposit of XXX on XX/XX/XXXX. HELOC mortgage Statement in file from Rate reflects XXX balance. Since the secured fund were already included in the XXX account, they were negated for audit calculation and a separate asset representing the secured funds was added. In addition, XXX Statement in file supports XXX in assets. Closing disclosure reflects XXX cash to close. Remaining assets are insufficient for reserves. Guidelines require XXX months reserves. | Assets | 07/17/2026 | Lender exception provided for reserve requirement. Compensating factors: XXX FICO is 64pts above min. 75% LTV is XXX% below max, DSCR calc of XX/XX/XXXX is XX/XX/XXXX higher than min; Client provided same asset Statement as previous. This asset was included. Please re-review the condition. Countered. "Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) 1003 reflects Assets in bank accounts totaling XXX and secured funds of XXX File contains Statements and printout from XXX supporting XXX balance after deposit of XXX on XX/XX/XXXX. HELOC mortgage Statement in file from Rate reflects XXX balance. Since the secured fund were already included in the XXX account, they were negated for audit calculation and a separate asset representing the secured funds was added. In addition, XXX Statement in file supports XXX in assets. Closing disclosure reflects XXX cash to close. Remaining assets are insufficient for reserves. Guidelines require XXX months reserves."; Document Uploaded. | 07/27/2026 | 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 |
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Acknowledged | XXXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. 1003 reflects Assets in bank accounts totaling XXX and secured funds of XXX File contains Statements and printout from XXX supporting XXX balance after deposit of XXX on XX/XX/XXXX. HELOC mortgage Statement in file from Rate reflects XXX balance. Since the secured fund were already included in the XXX account, they were negated for audit calculation and a separate asset representing the secured funds was added. In addition, XXX Statement in file supports XXX in assets. Closing disclosure reflects XXX cash to close. Remaining assets are insufficient for reserves. Guidelines require XXX months reserves. | Assets | 07/17/2026 | Lender exception provided for reserve requirement. Compensating factors: XXX FICO is XXX above min. 75% LTV is XXX% below max, DSCR calc of XX/XX/XXXX is XX/XX/XXXX higher than min; Client provided same asset Statement as previous. This asset was included. Please re-review the condition. Countered. "Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) 1003 reflects Assets in bank accounts totaling XXX and secured funds of XXX File contains Statements and printout from XXX supporting XXX balance after deposit of XXX on XX/XX/XXXX. HELOC mortgage Statement in file from Rate reflects XXX balance. Since the secured fund were already included in the XXX account, they were negated for audit calculation and a separate asset representing the secured funds was added. In addition, XXX Statement in file supports XXX in assets. Closing disclosure reflects XXX cash to close. Remaining assets are insufficient for reserves. Guidelines require XXX months reserves."; Document Uploaded. | 07/27/2026 | 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 |
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 | ||
| 724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | 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 | ||
| 725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 | ||
| 725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | 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 | ||
| 725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | 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 | ||
| 726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.72% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.72% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.72% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.72% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.72% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.72% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 727 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 | ||
| 727 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/30/2026 | 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 | ||
| 728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery | 07/06/2026 | Evidence of appraisal delivery provided.; Document Uploaded. | 07/07/2026 | 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% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 728 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee on the XX/XX/XXXX LE without a COC. A XXX cure was provided and applied to the increase in the credit report. | Cure package | 07/02/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; Document Uploaded. | 07/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.18% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.18% 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 | 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 |
| 729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.18% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.18% 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 | 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 | ||
| 729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.18% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.18% 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 | 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 | ||
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 XXX% tolerance fees. Missing initial LE XX/XX/XXXX per XXX in file. | COC, Closing disclosure and initial Loan estimate | 07/06/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. | 07/07/2026 | 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 |
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | 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. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | Initial Closing disclosure | 07/06/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 07/07/2026 | 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 |
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the XXX% tolerance fees. Missing initial LE XX/XX/XXXX per XXX in file. | CD and COC | 07/06/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. | 07/07/2026 | 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 |
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. | Initial loan estimate | 07/06/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. | 07/07/2026 | 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 |
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 | ||
| 730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 | ||
| 731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 52.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.83% is less than Guideline LTV 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 52.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.83% is less than Guideline LTV 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 731 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 52.83% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.83% is less than Guideline LTV 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. | The 1-4 Family Rider provided with re-recorded mortgage; finding resolved.; Document Uploaded. | 07/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Homeownership Counselling List | 07/17/2026 | HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded. | 07/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the XXX% tolerance fees. Missing initial LE XX/XX/XXXX per XXX in file, for proper fee testing. The file did not contain a valid COC for the increase in appraisal fee. | CD and COC; Initial Loan Estimate | 07/17/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; Document Uploaded. ; Updated cure amount to XXX for increase in appraisal fee without a valid 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. | 07/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 XXX% tolerance fees. Missing initial LE XX/XX/XXXX per XXX in file for proper testing. | Initial Loan Estimate | 07/07/2026 | Initial LE provided; exception resolved ; Initial LE provided; exception resolved ; Document Uploaded. | 07/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. | Initial Loan Estimate | 07/07/2026 | Initial LE provided; exception resolved ; Initial LE provided; exception resolved ; Document Uploaded. | 07/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.85% is less than Guideline LTV of 85% | 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% qualifying rate and note rate differential | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.58% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.58% is less than Guideline LTV 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 | ||
| 733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.58% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.58% is less than Guideline LTV 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 | ||
| 733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | Borrower has stable job time - Borrower has 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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.58% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.58% is less than Guideline LTV 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 | ||
| 734 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. There is no photo identification and the Patriot Act Disclosure present in the file has not been executed. | Documentation is sufficient. Patriot Act provided. Exception resolved.; Photo Identification provided.; Document Uploaded. | 07/06/2026 | 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 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | 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 | ||
| 734 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational. | 06/30/2026 | 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 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% | 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 | ||
| 734 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 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% | 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 | ||
| 735 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/30/2026 | 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 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 | ||
| 735 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/30/2026 | 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 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 | ||
| 736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 | ||
| 736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 | ||
| 737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 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% | 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 | ||
| 737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 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% | 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 | ||
| 737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 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% | 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 | ||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 77.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.94% is less than Guideline LTV 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 | ||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 77.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.94% is less than Guideline LTV 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 | ||
| 738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 77.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.94% is less than Guideline LTV 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 | ||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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% | 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 | ||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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% | 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 | ||
| 739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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% | 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 | ||
| 740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. The borrowers purchased an investment property located at XXX simultaneously with the subject using XXX exchange with the property sold. Loan file is missing the fully executed note, mortgage and CD for this property. | Note, mortgage and CD | 07/06/2026 | REO evidence provided. ; Verification of taxes, insurance and HOA Fees provided.; Document Uploaded. | 07/07/2026 | 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. | 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 |
| 740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | FNMA guidelines States that for purchase and construction related transactions, the lender must use a reasonable estimate of the real eState taxes based on the value of the land and the total of all new and existing improvements. The lender manually calculated the taxes page XXX however lender should have provided documentation to support the calculation. | Tax calculation | 07/06/2026 | Tax evidence provided. Resolved; Document Uploaded. | 07/07/2026 | 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. | 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 |
| 740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 | ||
| 740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 | 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 | ||
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. The borrowers sold property located at XXX and received XXX from the sale. Settlement Statement is on page The borrowers purchased an investment property located at XXX simultaneously with the subject using XXX exchange with the property sold. Loan file is missing the fully executed note, mortgage and CD for this property. | Deed and Note | 07/17/2026 | ; Rebuttal: The borrowers sold property located at XXX and received XXX from the sale. Settlement Statement is on page The borrowers purchased an investment property located at XXX simultaneously with the subject using XXX exchange with the property sold. Loan file is missing the fully executed note, mortgage and CD for this property. FNMA guidelines States that for purchase and construction related transactions, the lender must use a reasonable estimate of the real eState taxes based on the value of the land and the total of all new and existing improvements. The lender manually calculated the taxes, however lender should have provided documentation to support the calculation. ; Countered - Client provided Note and DOT however missing CD to validate taxes and insurance. ; Document Uploaded. | 07/21/2026 | 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 | 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 |
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | Borrower has stable job time - Borrower has 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 | ||
| 741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 | 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 | ||
| 742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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% | 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 | ||
| 742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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% | 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 | ||
| 743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 | ||
| 743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 | ||
| 744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | Borrower has stable job time - Borrower has 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | Borrower has stable job time - Borrower has 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 745 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 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% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 746 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 | ||
| 746 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 | ||
| 746 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 | ||
| 747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | 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 42.86% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% 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 | ||
| 747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/02/2026 | 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 42.86% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% 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 | ||
| 747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/02/2026 | 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 42.86% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.86% 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 | ||
| 748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Cured | XXXXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX | REFUND CHECK; PCCD OX and UPS ; COC and Loan estimate | 07/30/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Cure package is missing a copy of the check; will downgrade upon receipt of the copy of the check ; Document Uploaded. ; The fees included in the finance charge calculation include: Processing Fee XXX Underwriting Fee XXX Credit Verification fee XXX MERS Registration fee XXX Title Closing Protection Letter fee XXX Settlement/Closing fee XXX Title Courier fee XXX Fee XXX Title Archive fee XXX Recording Service fee XXX and Prepaid Interest $XXX. ; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Processing Fee XXX Underwriting Fee XXX Credit Verification fee XXX MERS Registration fee XXX Title Closing Protection Letter fee XXX Settlement/Closing fee XXX Title Courier fee XXX Fee XXX Title Archive fee XXX Recording Service fee XXX and Prepaid Interest $XXX. There is no XXX Preference Letter in file that could be used to exclude the XXX fee. | 07/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 85% | 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% | D | B | C | B | D | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The subject property taxes are not verified within the loan file. The underwriter notes States that taxes were verified with title/tax bill XXX per year or XXX per month. The loan file does not contain any documentation to support the property taxes used. Title documentation does not reflect the taxes. | INITIAL CD, CD dated XXX Loan estimate XX/XX/XXXX and Loan estimate XX/XX/XXXX | 07/08/2026 | Document Uploaded. ; CD provided reflecting what appears to be two months for taxes and Other Govt Fees section. Resolved. ; Document Uploaded. | 07/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 85% | 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% | D | B | D | A | D | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 07/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 85% | 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% | D | B | A | A | D | A | 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 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 | ||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/07/2026 | 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 | ||
| 750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/07/2026 | 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 | ||
| 751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/07/2026 | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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 | ||
| 751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/07/2026 | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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 | ||
| 751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/07/2026 | Borrower has stable job time - Borrower has 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% 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 | ||
| 752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 07/14/2026 | 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 | ||
| 752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 07/14/2026 | 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 | ||
| 752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XX/XX/XXXX | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 07/14/2026 | 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 |