Exhibit 99.1 Schedule 4
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Name | State | QM/ATR Status | Initial Overall Loan Grade | Final Overall Grade | Final Credit Grade | Final Property Grade | Final Compliance Grade | Material (level 3) TRID exception? | Material (level 3) Non-TRID exception? | Active Material Exceptions | Active Non Material Exceptions | Satisfied Exceptions | Waived Exceptions | Compensating Factors | Property Type | Note Date | LTV | CLTV | Occupancy | Purpose | Credit Score | Brwr 1 Yrs in Property | Brwr 1 Occupation | Brwr 1 Yrs on Job | Total Monthly Income | Mortgage History | Cash Out Amount | DTI | FTHB Flag | Loan Doc Type | Loan Status | Review Date |
| 1 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 73.429% | 73.429% | Primary | Purchase | 740 | xx | 27.75 | $82,728.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.158% | No | Alternative | QC Complete | 07/17/2026 | ||||||||
| 7 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 763 | xx | 3.58 | $24,471.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.508% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 8 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The hazard insurance currently reflects the mortgage clause name as "XX"; however, the note lender is "XX". Provide a copy of the updated hazard insurance with the correct mortgage clause. 07/XX/2026 Resolved: The copy of hazard insurance in the files does include mortgagee clause. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$112,634.29 | Alternative | QC Complete | 07/02/2026 | |||||||||||
| 11 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 06/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/02/2026 | ||||||||||||
| 18 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Income: 1009 Wage and income transcripts do not report the 1099 wages A copy of an exception approval letter is available in the loan file. |
DTI: 49.63% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 789 FICO exceeds the guideline requirement of 720. Reserves: The 107 months of available reserves are more than the guideline requirement of 8 months. |
PUD | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 789 | xx | 8.66 | $5,593.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.627% | No | Full Documentation | QC Complete | 07/02/2026 | ||||||
| 19 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: The Note, Mortgage, and 1-4 Family Rider should reflect "XX" in the borrower signature block. Title documentation in the file reflects vesting as "XX"; however, the Note, Mortgage, and 1-4 Family Rider were executed solely by "XX". Please review and provide corrected documents or clarification regarding the same. 07/XX/2026: the Note, Mortgage and 1/4 rider need to be in the name of XX, signed by member XX |
2 Family | 05/XX/2026 | 57.143% | 57.143% | Investor | Cash Out | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$97,629.72 | Alternative | QC Complete | 06/22/2026 | |||||||||||
| 20 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 800 | xx | 6.5 | $10,736.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.473% | No | Full Documentation | QC Complete | 07/06/2026 | ||||||||
| 21 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 70.000% | 70.000% | Primary | Refinance | 766 | 16.16 | xx | 12.83 | $33,960.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.245% | Full Documentation | QC Complete | 07/02/2026 | ||||||||
| 23 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 50.394% | 50.394% | Investor | Cash Out | 696 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$301,002.53 | Alternative | QC Complete | 07/02/2026 | ||||||||||||
| 26 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 78.919% | 78.919% | Investor | Purchase | 761 | xx | 5.91 | $22,437.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.494% | No | Full Documentation | QC Complete | 07/06/2026 | ||||||||
| 27 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 45.455% | 45.455% | Investor | Cash Out | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,171.31 | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 32 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Extended dwelling also is not sufficient to cover loan amount. Provide a RCE or an updated insurance with sufficient coverage. 07/XX/2026: Received RCE with enough coverage *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Note is reflecting rate of interest as fixed, amortization schedule and other documents reflecting interest only. Required correction of Note for interest only. 07/XX/2026: Resolved. Received interest only note |
Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 797 | xx | 6 | $76,261.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.860% | No | Alternative | QC Complete | 06/22/2026 | |||||||
| 36 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 708 | xx | 6.83 | $90,735.72 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.166% | Yes | Alternative | QC Complete | 07/06/2026 | ||||||||
| 37 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: Provide hazard Insurance for subject property with Correct Mortgagee Clause. 06/XX/2026: Countered. No mortgagee information on HOI policy. 07/XX/2026: Resolved. Received updated HOI |
Single Family | 05/XX/2026 | 45.783% | 45.783% | Primary | Cash Out | 775 | 0.5 | xx | 13.33 | $43,838.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$250,642.54 | 32.076% | Alternative | QC Complete | 06/23/2026 | ||||||
| 38 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA clause, as is it missing. 06/XX/2026: Resolved. Received updated HOI |
PUD | 05/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/23/2026 | |||||||||||
| 39 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of borrower settlement statement / Seller settlement statement. Property (XX) is currently reflected as Pending Sale." 07/XX/2026: Countered. The ALTA settlement statement provided is for property XX. The one needed is for XX 07/XX/2026: Resolved. The property is pending sale and has been included in calculations. *** (CURED) TRID Violations - EV R COMMENT: Demand Feature check box is not updated on Page 4 of the Final CD and PCCD. 07/XX/2026: Countered. Please provide the CD dated 05/XX/2026 with closing date of 06/XX/2023 with the demand feature checked. 07/XX/2026: Countered.Please provide the CD dated 05/XX/2026 with closing date of 06/XX/2023 with the demand feature checked. (clients comments in email: Response: The Initial CD showed the Demand Feature checked. The CD Dated 5/XX/2026 with the Closing Date of 6/XX/2026 shows the box checked. Kindly overturn finding.) 07/XX/2026: Countered. Received Initial CD instead of Final CD/PCCD for demand feature check box update. Resolved 07/XX/2026: Received updated Demand Feature check box Final CD and exception is cleared. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/06/2026 | |||||||||||
| 44 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 731 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/20/2026 | ||||||||||||
| 47 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 67.100% | 67.100% | Primary | Cash Out | 693 | 1.83 | xx | 1.42 | $6,666.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$154,940.17 | 49.432% | Alternative | QC Complete | 07/07/2026 | |||||||
| 48 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 69.500% | 69.500% | Primary | Cash Out | 707 | 33.17 | xx | 31.83 | $1,856.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$77,730.59 | 44.073% | Full Documentation | QC Complete | 07/07/2026 | |||||||
| 51 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/06/2026 | ||||||||||||
| 53 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 716 | xx | 26.33 | $109,868.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.027% | No | Alternative | QC Complete | 07/06/2026 | ||||||||
| 56 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 737 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/06/2026 | ||||||||||||
| 57 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$111,920.86 | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 59 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 57.803% | 57.803% | Primary | Purchase | 791 | xx | 0.17 | $12,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.892% | No | Full Documentation | QC Complete | 07/07/2026 | ||||||||
| 61 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 46.397% | 46.397% | Primary | Cash Out | 802 | 23 | xx | 14.75 | $54,335.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$457,849.36 | 21.600% | Alternative | QC Complete | 07/07/2026 | |||||||
| 62 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 786 | $12,064.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.182% | Yes | Alternative | QC Complete | 07/07/2026 | ||||||||||
| 64 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 678 | xx | 0.42 | $41,566.20 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.328% | Full Documentation | QC Complete | 07/20/2026 | |||||||||
| 65 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 71.090% | 71.090% | Investor | Cash Out | 808 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$144,805.16 | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 66 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 776 | xx | 2 | $16,468.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.962% | No | Full Documentation | QC Complete | 07/07/2026 | ||||||||
| 67 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 807 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 69 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 43.310% | 43.310% | Investor | Refinance | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/07/2026 | |||||||||||||
| 70 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 788 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$194,338.48 | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 71 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 45.047% | 45.047% | Investor | Purchase | 795 | xx | 37.08 | $15,828.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.681% | No | Full Documentation | QC Complete | 07/20/2026 | ||||||||
| 72 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 74 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 75 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 79 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 782 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$92,188.81 | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 80 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 760 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 82 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 777 | xx | 15.5 | $42,926.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.060% | No | Alternative | QC Complete | 07/20/2026 | ||||||||
| 84 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 86 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 74.468% | 74.468% | Investor | Cash Out | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$167,078.68 | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 94 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 773 | xx | 3 | $17,666.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.873% | No | Full Documentation | QC Complete | 07/07/2026 | ||||||||
| 99 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 64.798% | 64.798% | Investor | Cash Out | 809 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$140,118.49 | Alternative | QC Complete | 07/20/2026 | ||||||||||||
| 101 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 73.991% | 73.991% | Investor | Refinance | 700 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/20/2026 | |||||||||||||
| 102 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 104 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 782 | xx | 0.92 | $50,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.197% | No | Full Documentation | QC Complete | 07/20/2026 | ||||||||
| 106 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 723 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 107 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 73.816% | 73.816% | Investor | Cash Out | 794 | xx | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$258,567.21 | Alternative | QC Complete | 07/16/2026 | |||||||||||
| 108 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 664 | 5 | xx | 32.5 | $39,115.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$201,487.29 | 28.477% | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 112 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 71.000% | 71.000% | Investor | Purchase | 811 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 115 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 116 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.267% Allowed 8.070% + Overby 0.197% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for FTHB without a housing expense. A copy of an exception approval letter is available in the loan file. |
FICO: 753 FICO exceeds the guideline requirement of 720. LTV: 85.00% LTV is less than the guideline requirement of 90.00%. DTI: 5.98% DTI is less than the maximum guideline requirement of 50.00%. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 753 | xx | 2.83 | $156,480.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.987% | Yes | Alternative | QC Complete | 07/17/2026 | |||||
| 118 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 06/XX/2026 | 67.638% | 67.638% | Investor | Purchase | 728 | xx | 14.75 | $29,874.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.643% | No | Full Documentation | QC Complete | 07/17/2026 | ||||||||
| 119 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 778 | 3.83 | $3,135.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.155% | Yes | Alternative | QC Complete | 07/17/2026 | |||||||||
| 120 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 72.577% | 72.577% | Primary | Refinance | 771 | 1.83 | xx | 10 | $37,659.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.497% | Full Documentation | QC Complete | 07/17/2026 | ||||||||
| 121 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a supporting document for HOA showing $315.50. 07/XX/2026 Resolved - Resolved as the HOA can be verified from appraisal. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 707 | xx | 11.66 | $9,555.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.408% | No | Full Documentation | QC Complete | 07/07/2026 | |||||||
| 122 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 732 | xx | 3.33 | $9,191.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$80,921.25 | 31.898% | Alternative | QC Complete | 07/17/2026 | ||||||||
| 123 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Title report or supplemental title report including Lender ISAOA/ATIMA clause, as is it missing. 07/XX/2026; Resolved. Received updated title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provided hazard insurance document reflect the subject mortgagee name as 'XX', which is not the subject lender. Provided a copy of updated hazard insurance document to reflect the correct subject mortgagee name as 'XX'. 07/XX/2026: Resolved. Received updated HOI |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 55.448% | 55.448% | Investor | Cash Out | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$250,741.33 | Alternative | QC Complete | 07/17/2026 | |||||||||||
| 124 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 1 | 2 | 1 | No | No | *** (WAIVED) Property zoned rural and contains more than 10
acres - EV W COMMENT: Exception being requested for excess acreage xx acres and product allows maximum of 20 acres. A copy of an exception approval letter is available in the loan file. |
Reserves: The 63 months of available reserves are more than the
guideline requirement of 3 months. DTI: 33.22% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $48,522.90 monthly |
Single Family | 06/XX/2026 | 79.877% | 79.877% | Investor | Refinance | 765 | xx | 11.5 | $72,665.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.225% | Alternative | QC Complete | 07/07/2026 | |||||||
| 125 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 760 | 1.58 | xx | 9.16 | $14,982.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$36,120.76 | 36.541% | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 128 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 754 | xx | 9.08 | $21,626.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.418% | No | Alternative | QC Complete | 07/20/2026 | ||||||||
| 129 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 794 | $32,260.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.522% | No | Alternative | QC Complete | 07/17/2026 | ||||||||||
| 131 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 53.846% | 53.846% | Primary | Purchase | 715 | xx | 10.92 | $36,347.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.274% | No | Alternative | QC Complete | 07/17/2026 | ||||||||
| 134 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 73.770% | 73.770% | Investor | Cash Out | 750 | xx | 32.5 | $179,096.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$423,802.77 | 10.605% | Alternative | QC Complete | 07/17/2026 | ||||||||
| 135 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2026 | 67.059% | 67.059% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 254 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to allow FICO score of 684 vs minimum FICO required of 700. A copy of an exception approval letter is available in the loan file. |
Reserves: The 38 months of available reserves are more than the
guideline requirement of 6 months. LTV: 70.00% LTV is less than the guideline requirement of 75.00%. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 684 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$34,211.84 | Alternative | QC Complete | 06/30/2026 | ||||||||||
| 258 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA, as is it missing 07/XX/2026: Resolved. Received updated HOI. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 736 | xx | 5.5 | $26,250.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.524% | No | Full Documentation | QC Complete | 06/30/2026 | |||||||
| 259 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount along with the lender ISAOA clues as it is missing. 07/XX/2026 Resolved: The copy of title policy resolves the condition. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.485% Allowed 8.010% Overby +0.475% This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 651 | 20 | xx | 20.42 | $32,609.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$330,247.83 | 44.600% | Alternative | QC Complete | 06/30/2026 | ||||||
| 260 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 727 | 6 | xx | 4.33 | $8,757.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$20,322.75 | 44.334% | Alternative | QC Complete | 06/30/2026 | |||||||
| 261 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 751 | xx | 8.08 | $41,314.89 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.437% | No | Alternative | QC Complete | 06/30/2026 | ||||||||
| 263 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 678 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/15/2026 | ||||||||||||
| 271 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 798 | 14.41 | $53,035.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.237% | No | Alternative | QC Complete | 06/30/2026 | |||||||||
| 272 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing to use of 99% of business assets to avoid asking for letter from business partner allowing use of assets for this transaction. A copy of an exception approval letter is available in the loan file. |
FICO: 752 FICO exceeds the guideline requirement of 700. Reserves: The 72 months of available reserves are more than the guideline requirement of 10 months. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 752 | xx | 3.75 | $324,301.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.269% | Alternative | QC Complete | 07/15/2026 | |||||||
| 273 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 56.315% | 56.315% | Primary | Purchase | 792 | xx | 11.92 | $127,310.69 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.280% | No | Alternative | QC Complete | 07/15/2026 | ||||||||
| 274 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report for IOSAO clause, as it is currently missing from the file. 07/XX/2026: Resolved. Received updated title |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/24/2026 | |||||||||||
| 276 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/30/2026 | ||||||||||||
| 278 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 79.973% | 79.973% | Investor | Purchase | 812 | xx | 6.42 | $20,550.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.840% | No | Alternative | QC Complete | 06/05/2026 | ||||||||
| 280 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Driving license reflecting borrower "XX" sex as female and in final 1003 reflecting as Male, required correction of 1003 from male to female 07/XX/2026: Resolved. Received updated 1003 |
2 Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 729 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/30/2026 | |||||||||||
| 281 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplement which should cover the loan amount. 07/XX/2026 Resolved: The copy of title policy resolves the condition. |
Single Family | 06/XX/2026 | 79.156% | 79.156% | Primary | Cash Out | 723 | 2.08 | xx | 4 | $4,762.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$52,248.78 | 43.066% | Alternative | QC Complete | 06/18/2026 | ||||||
| 284 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 46.087% | 46.087% | Primary | Refinance | 808 | 1.75 | xx | 14.83 | $24,714.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.939% | Alternative | QC Complete | 06/30/2026 | ||||||||
| 287 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/10/2026 | ||||||||||||
| 288 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX 07/XX/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of HOA document for the property address:XX as it is missing. 07/XX/2026 Resolved : the copy of property detail doc resolves the condition. |
PUD | 06/XX/2026 | 67.640% | 67.640% | Primary | Refinance | 751 | 2.08 | xx | 2.42 | $6,294.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.197% | Alternative | QC Complete | 06/30/2026 | |||||||
| 291 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/15/2026 | ||||||||||||
| 292 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The hazard insurance mortgage clause currently lists the lender as XX. However, the subject property's lender is XX provide an updated copy of the hazard insurance policy with the mortgage clause corrected to XX 07/XX/2026: Resolved. Received updated HOI |
2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/15/2026 | ||||||||||||
| 293 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an LOE stating that the property "XX " has no HOA fee. 07/XX/2026 Resolved : The copy of LOX with HOA explanation resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to permit 8 NSF's in the most recent twelve months instead of 6 A copy of an exception approval letter is available in the loan file. |
DTI: 32.26% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 5 months of available reserves are more than the guideline requirement of 3 months. Bank statements: 8 consecutive most recent months have no overdrafts |
High Rise Condo (>=9 Stories) | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 700 | xx | 0.5 | $1,362.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.265% | Yes | Alternative | QC Complete | 06/30/2026 | |||||
| 295 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated CPA letter with expense factor 23% reflecting on it. 07/XX/2026: Resolved. Received updated CPA letter |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 702 | 1.16 | xx | 2.42 | $7,554.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:30 Verification Type:Credit Report |
$15,052.80 | 48.721% | Alternative | QC Complete | 06/30/2026 | ||||||
| 297 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Business Purpose Affidavit. 07/XX/2026: The copy of Business Purpose Affidavit resolves the condition. |
PUD | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 805 | 16.25 | $41,016.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.153% | No | Full Documentation | QC Complete | 07/02/2026 | ||||||||
| 298 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Provide an updated appraisal report with Special flood hazard insurance as "YES" and FEMMA flood zone as "AH". 07/XX/2026: Resolved. Received updated appraisal *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a proof of document for the transfer of gift amount $28,000.00 as it is missing. 07/XX/2026: Resolved. Received proof of wire for $28,000.00 |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 745 | xx | 7.41 | $28,032.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.746% | Yes | Alternative | QC Complete | 06/30/2026 | |||||||
| 302 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated hazard insurance policy that includes the mortgage clause naming XX as the lender. 07/XX/2026: Resolved. Received updated HOI |
2 Family | 06/XX/2026 | 79.675% | 79.675% | Investor | Refinance | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 303 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 748 | xx | 2.33 | $13,671.72 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.433% | Yes | Alternative | QC Complete | 06/30/2026 | ||||||||
| 306 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 73.111% | 73.111% | Primary | Cash Out | 762 | 2.17 | xx | 8.75 | $78,175.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$224,191.14 | 22.619% | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 307 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title Supplement to cover the loan amount $XX 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 69.706% | 69.706% | Primary | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/30/2026 | |||||||||||
| 311 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003 for Borrower. The asset depletion income should be reflected under Other Income on the final 1003. 07/XX/2026" Resolved. Received updated 1003. |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 770 | $70,459.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.933% | No | Alternative | QC Complete | 07/10/2026 | |||||||||
| 312 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) xx TRID Tolerance Test is Incomplete - EV R COMMENT: Missing Initial Closing Disclosure. Resolved 06/XX/2026: Received Initial Closing Disclosure dated 05/XX/2026 and exception is cleared. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of CPA letter for borrower business "XX", to verify the ownership. 06/XX/2026: Resolved. Received CPA verifying 49.86301% ownership in XX |
Single Family | 05/XX/2026 | 73.941% | 73.941% | Primary | Refinance | 817 | 1.66 | xx | 10.25 | $78,332.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.479% | Alternative | QC Complete | 06/18/2026 | |||||||
| 314 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide hazard Insurance for subject property with correct mortgagee clause and coverage amount to match loan amount or show 100% replacement cost. 07/XX/2026: Resolved. Received updated HOI |
Single Family | 06/XX/2026 | 17.460% | 17.460% | Primary | Cash Out | 754 | 30.5 | xx | 29.58 | $23,230.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$96,409.97 | 13.830% | Alternative | QC Complete | 07/07/2026 | ||||||
| 315 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 801 | xx | 2.5 | $14,934.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.522% | Yes | Alternative | QC Complete | 07/14/2026 | ||||||||
| 316 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final 1003. The Income from other Source section does not reflect the Asset Depletion income for Borrower 1, (XXt), in the amount of $2,724.00, and Co-Borrower 2, (XX), in the amount of $10,503.00 as it is missing 07/XX/2026: Countered. The 1003 provided did not have the changes made to the other income section. This is still needed. 07/XX/2026: Resolved. Received updated 1003 |
Single Family | 06/XX/2026 | 50.000% | 50.000% | Primary | Purchase | 706 | $2,724.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.690% | No | Alternative | QC Complete | 06/23/2026 | |||||||||
| 321 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 778 | xx | 3.16 | $11,293.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.732% | No | Full Documentation | QC Complete | 07/08/2026 | ||||||||
| 322 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of taxes, insurance, HOA for the REO Property : XX 07/XX/2026: Resolved. Received tax and insurance docs *** (CURED) Required Documentation Missing - EV R COMMENT: Missing CDA supporting the appraisal report dated 06/XX/2026 with appraisal value of $XX 07/XX/2026: Resolved. A 2nd full appraisal was provided. Used lower of the 2 appraisals. CDA not required. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 779 | xx | 14.08 | $28,970.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.497% | No | Full Documentation | QC Complete | 07/08/2026 | |||||||
| 323 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 74.993% | 74.993% | Investor | Cash Out | 727 | xx | 6.92 | $33,168.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$79,872.36 | 41.437% | Alternative | QC Complete | 06/30/2026 | ||||||||
| 324 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 325 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 51.282% | 51.282% | Primary | Cash Out | 764 | 28 | xx | 20.42 | $7,412.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$94,485.41 | 20.621% | Alternative | QC Complete | 06/30/2026 | |||||||
| 327 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 85.000% | 85.000% | Investor | Refinance | 754 | xx | 22.5 | $93,972.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.094% | Alternative | QC Complete | 07/21/2026 | |||||||||
| 329 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 331 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting an exception for no housing history for FTHB. A copy of an exception approval letter is available in the loan file. |
DTI: 31.545% is lower than the maximum guideline requirement of
50.00%. Reserves: 28 months of available reserves are more than the guideline requirement of 3 months. LTV: 75.00% is lower than the maximum guideline requirement of 90.00%. FICO: 778 exceeds the minimum FICO requirement of 720. |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 778 | xx | 7 | $8,397.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.545% | Yes | Alternative | QC Complete | 08/12/2026 | ||||||
| 332 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of XX 07/XX/2026: Resolved. Received updated title. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan amount $XX vs $1.5M max loan amount A copy of an exception approval letter is available in the loan file. |
FICO: 784 exceeds the minimum FICO requirement of 720. Reserves: 19 months of available reserves are more than the guideline requirement of 9 months. DTI: 35.518% is lower than the maximum guideline requirement of 50.00%. |
PUD | 06/XX/2026 | 74.384% | 74.384% | Investor | Refinance | 784 | xx | 9.33 | $25,728.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.518% | Full Documentation | QC Complete | 08/12/2026 | ||||||
| 333 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$109,386.95 | Alternative | QC Complete | 07/17/2026 | ||||||||||||
| 335 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Require correction for occupancy of property "XX" from primary residence to investment on REO section of final 1003. 06/XX/2026: Resolved. Received updated 1003. |
Single Family | 06/XX/2026 | 63.406% | 63.406% | Investor | Refinance | 703 | xx | 6.25 | $30,329.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.924% | Alternative | QC Complete | 06/19/2026 | ||||||||
| 340 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 342 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 810 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 345 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. Provide a copy of the title supplement reflecting coverage in the amount of $XX 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 60.000% | 60.000% | Investor | Cash Out | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$293,355.41 | Alternative | QC Complete | 07/07/2026 | |||||||||||
| 346 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 763 | xx | 2.75 | $5,046.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.116% | Yes | Alternative | QC Complete | 07/01/2026 | ||||||||
| 348 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 44.444% | 44.444% | Primary | Cash Out | 775 | 21 | xx | 38.92 | $24,057.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$529,751.44 | 33.284% | Alternative | QC Complete | 07/01/2026 | |||||||
| 349 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide gift letter for amount $200,000.00 from XX as it is missing. 07/XX/2026: Resolved. Received gift letter |
Single Family | 06/XX/2026 | 60.000% | 60.000% | Primary | Purchase | 808 | xx | 0.66 | $29,466.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.143% | Yes | Alternative | QC Complete | 06/30/2026 | |||||||
| 350 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The subject condominium has a gross living area of less than 500 square feet. A copy of an exception approval letter is available in the loan file. |
Reserves: The 244 months of available reserves are more than the
guideline requirement of 3 months. DTI: 28.15% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $27,880.74 monthly |
High Rise Condo (>=9 Stories) | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 785 | xx | 23.5 | $38,804.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.151% | No | Alternative | QC Complete | 08/12/2026 | ||||||
| 351 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 724 | xx | 12.94 | $33,463.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.794% | No | Alternative | QC Complete | 07/17/2026 | ||||||||
| 354 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 712 | xx | 11.33 | $13,508.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.464% | Yes | Alternative | QC Complete | 07/09/2026 | ||||||||
| 356 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 723 | xx | 2.16 | $15,534.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.347% | Yes | Alternative | QC Complete | 07/01/2026 | ||||||||
| 357 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 27.365% | 27.365% | Primary | Refinance | 774 | 0.25 | xx | 1.5 | $11,944.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.171% | Full Documentation | QC Complete | 07/01/2026 | ||||||||
| 358 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 16.239% | 16.239% | Primary | Refinance | 771 | 0.16 | xx | 8.91 | $33,344.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.659% | Alternative | QC Complete | 08/12/2026 | ||||||||
| 359 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of 1004D Appraisal report photos reflecting Subject Deferred Maintenance. 06/XX/2026: Countered. Document received is a termite invoice and termite inspection report. A 1004D from apprasier for deferred maintenance is needed. 06/XX/2026: Resolved. Received a copy of the termite inspection report as alternate to 1004D |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/16/2026 | |||||||||||
| 361 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 720 | xx | 9.83 | $27,061.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.075% | No | Alternative | QC Complete | 07/14/2026 | ||||||||
| 362 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 05/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 663 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 363 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 74.783% | 74.783% | Primary | Cash Out | 760 | 25.08 | xx | 4.33 | $9,983.88 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$130,769.90 | 25.666% | Alternative | QC Complete | 07/21/2026 | |||||||
| 364 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 793 | xx | 3.08 | $33,179.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.264% | No | Alternative | QC Complete | 07/07/2026 | ||||||||
| 366 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 725 | xx | 10 | $6,343.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.664% | No | Full Documentation | QC Complete | 07/10/2026 | ||||||||
| 369 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 812 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 370 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 82.684% | 82.684% | Investor | Refinance | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/08/2026 | |||||||||||||
| 371 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 781 | 2 | xx | 18.25 | $27,435.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$426,069.69 | 34.697% | Full Documentation | QC Complete | 07/09/2026 | |||||||
| 374 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 731 | xx | 6.83 | $46,621.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.319% | Yes | Alternative | QC Complete | 06/04/2026 | ||||||||
| 375 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 06/XX/2026; Resolved. Received updated title. |
PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 700 | 0.58 | $11,698.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$126,515.42 | 49.743% | Full Documentation | QC Complete | 06/03/2026 | ||||||||
| 376 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 73.281% | 73.281% | Primary | Refinance | 779 | 1.16 | xx | 6.83 | $48,934.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.247% | Alternative | QC Complete | 07/01/2026 | ||||||||
| 377 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provided lease agreement for the subject property expired on 03/XX/2026. Provide a copy of updated lease agreement with the new expiration date. 06/XX/2026 Resolved : The copy of updated LOE with lease agreement snip resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting FICO exception for FICO of 713 vs. 720 minimum required at 75% LTV A copy of an exception approval letter is available in the loan file. |
DSCR: 1.37 DSCR exceeds the guideline requirement of 0.50. LTV: 74.26% LTV is less than the guideline requirement of 75.00%. Reserves: The 82 months of available reserves are more than the guideline requirement of 6 months. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 74.265% | 74.265% | Investor | Cash Out | 713 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$95,076.73 | Alternative | QC Complete | 06/22/2026 | |||||||||
| 380 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 748 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$288,705.01 | Alternative | QC Complete | 07/01/2026 | ||||||||||||
| 382 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The total verified assets of $24,340.31 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $17,070.60, the remaining assets total $7,269.71. This falls $2,267.16 short of the required six-month reserves of $9,536.87. 07/XX/2026: Resolved. Reserves are not requires on a rate term refinance • Rate and Term Refinance transactions do not require reserves if the following are met: o Loan amount is ≤ $650,000 o Mortgage history is 0x30x24 or since inception if owned between 12-24 months o Subject property housing payment is decreasing o Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre- foreclosure, mortgage charge-off |
Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Refinance | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/01/2026 | ||||||||||||
| 383 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/08/2026 | |||||||||||||
| 387 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the evidence document receipt insurance for property #XX ..., as the required documentation is missing. 06/XX/2026: Resolved. Received HOI for XX |
Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 712 | 0.08 | xx | 18.33 | $6,593.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$113,727.75 | 42.839% | Alternative | QC Complete | 06/04/2026 | ||||||
| 388 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 765 | $13,607.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.259% | No | Alternative | QC Complete | 06/08/2026 | ||||||||||
| 389 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 05/XX/2026 | 60.969% | 60.969% | Investor | Refinance | 754 | xx | 10.25 | $44,281.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.126% | Alternative | QC Complete | 06/15/2026 | |||||||||
| 392 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 394 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount. 06/XX/2026: Countered. Received a business loan certificate. A copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount is still needed. 06/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 732 | 20 | $13,804.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$284,426.08 | 39.586% | Alternative | QC Complete | 06/22/2026 | ||||||||
| 396 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Supplemental Title Report to cover the loan amount. 07/XX/2026: Resolved. Received updated title |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 07/01/2026 | |||||||||||
| 397 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 60.951% | 60.951% | Primary | Refinance | 773 | 1.16 | $46,262.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.347% | Alternative | QC Complete | 06/05/2026 | ||||||||||
| 400 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 744 | xx | 5.08 | $183,501.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.691% | No | Alternative | QC Complete | 07/07/2026 | ||||||||
| 401 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the additional most recent two months of bank statements to verify the sufficient assets to cover the reserves requirement of $5,321.88. 07/XX/2026: Resolved. Received bank statements |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/01/2026 | |||||||||||
| 404 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 74.490% | 74.490% | Primary | Purchase | 715 | xx | 12.16 | $10,427.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.802% | Yes | Alternative | QC Complete | 06/08/2026 | ||||||||
| 405 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the rent-free letter for the property located at #XX, as it was missing. 06/XX/2026: Resolved. Rent free letter not required on smartvest |
Low Rise Condo (1-4 Stories) | 05/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 739 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/04/2026 | |||||||||||
| 406 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 744 | xx | 9.91 | $108,756.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.557% | Yes | Alternative | QC Complete | 07/07/2026 | ||||||||
| 408 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 755 | xx | 0.33 | $14,583.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.835% | No | Full Documentation | QC Complete | 07/15/2026 | ||||||||
| 409 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 58.671% | 58.671% | Primary | Cash Out | 763 | 11 | xx | 7.42 | $510,745.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$500,964.24 | 2.570% | Alternative | QC Complete | 07/14/2026 | |||||||
| 412 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the evidence settlement statement or a letter of explanation of the cash-out proceeds (savings) in the amount of $62,000.00, as the required documentation is missing. 06/XX/2026: Resolved. Received a copy of the CD. |
Single Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 758 | xx | 7.33 | $70,613.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.301% | No | Alternative | QC Complete | 06/03/2026 | |||||||
| 413 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 79.962% | 79.962% | Primary | Refinance | 803 | 1 | xx | 8.92 | $13,999.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.934% | Alternative | QC Complete | 07/10/2026 | ||||||||
| 414 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 767 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 418 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: As per guideline if borrower ownership is between 25% to 100%. We need to use 75% business funds with approval from all other owners.Using 90% of funds from business account XX for closing /reserves. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
85.00%. DTI: 34.14% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 11 months of available reserves are more than the guideline requirement of 6 months. |
Low Rise Condo (1-4 Stories) | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 746 | xx | 6.33 | $17,745.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.148% | No | Alternative | QC Complete | 06/08/2026 | ||||||
| 420 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Non Arm Length's Trans/Identity of Interest/Conflict of Interest. The seller is the purchaser's brother-in-law. A copy of an exception approval letter is available in the loan file. The sale was at market value supported by an independent appraisal. |
DSCR: 1.1377 DSCR exceeds the guideline requirement of 1.00. Reserves: The 52 months of available reserves are more than the guideline requirement of 6 months. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||
| 421 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated final application. The other income sources section does not reflect the Co-Borrower's trust income. Update the application to include trust income forXX in the monthly amount of $8,350.00 and ensure consistency with the income documentation and underwriting approval. 07/XX/2026: countered. The 1003 provided does not include the trust income in other income sources of $8,350.00 07/XX/2026: Received updated 1003 |
PUD | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 754 | xx | 7.5 | $17,360.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.928% | No | Alternative | QC Complete | 06/25/2026 | |||||||
| 422 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 744 | 3.33 | $44,095.72 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.044% | No | Alternative | QC Complete | 06/04/2026 | |||||||||
| 425 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/13/2026 | ||||||||||||
| 426 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 51.852% | 51.852% | Primary | Cash Out | 776 | 20 | xx | 5.91 | $6,414.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$68,757.99 | 31.479% | Alternative | QC Complete | 06/05/2026 | |||||||
| 427 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The approval reflects the XX Mortgage debt for the property located at XX, as excluded. However, no exclusion reason has been provided. Provide the reason for the exclusion or supporting documentation. 06/XX/2026: Resolved. XX pays XX loan number XX from XX. Bank statements were provided. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing One year self employed program with SLE to allow previous job self employed history in same line of business since 2014 but under different business. A copy of an exception approval letter is available in the loan file. |
FICO: 763 FICO exceeds the guideline requirement of 640. LTV: 54.794% LTV is less than the guideline requirement of 70.00%. Reserves: The 17 months of available reserves are more than the guideline requirement of 9 months. |
PUD | 06/XX/2026 | 54.795% | 54.795% | Secondary | Purchase | 763 | xx | 1.58 | $5,133.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.557% | No | Alternative | QC Complete | 08/12/2026 | |||||
| 429 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 77.843% | 77.843% | Investor | Refinance | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/17/2026 | |||||||||||||
| 431 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Supplemental report of title. Title vested in missing the ISAOA/ATIMA 07/XX/2026: Resolved. Received updated title. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 758 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
No | Alternative | QC Complete | 07/07/2026 | |||||||||||
| 433 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of Replacement cost estimate. Amount of hazard insurance is not sufficient to cover the loan amount. 06/XX/2026: Countered. Policy provided is a HO6 condominium policy. A master insurance policy will be needed 06/XX/2026: Countered. Policy provided is a HO6 condominium policy. A master insurance policy will be needed 07/XX/2026: Countered. Master insurance policy needs to have mortgagee clause added with borrowers name, loan number and subject property listed. 07/XX/2026 Resolved : Resolved as the HO6 resolves the condition. |
PUD | 05/XX/2026 | 73.000% | 73.000% | Investor | Purchase | 737 | xx | 6.08 | $28,359.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.076% | No | Full Documentation | QC Complete | 06/05/2026 | |||||||
| 434 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 46.167% | 46.167% | Primary | Purchase | 792 | $4,771.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.412% | No | Full Documentation | QC Complete | 06/04/2026 | ||||||||||
| 436 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) LOE - EV R COMMENT: The property located at XXt is not disclosed on the 1003; however, the file contains a Homeowners Insurance (HOI) document in the borrower's name for the same property. Therefore, provide a Letter of Explanation (LOE) addressing the borrower's association with the property and explaining why it was not reported on the loan application. 07/XX/2026: Resolved. LOE provided this is parents house *** (CURED) Missing proof of hazard insurance - EV R COMMENT: Provide a copy of Hazard insurance for subject property as it is missing. 07/XX/2026 Countered. Declaration page is missing premium amount. 07/XX/2026: Resolved. Received HOI with premium *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report or supplemental title report including Lender ISAOA/ATIMA clause, as is it missing. 06/XX/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide the Initial Loan Application dated 03/XX/2026, as referenced on the Revised Loan Application dated 04/XX/2026. Additionally, provide the missing Loan Estimate (LE) dated 03/XX/2026, as indicated by the Intent to Proceed documentation on page 333. Also, provide the initial disclosure package evidencing compliance with the TRID requirement that disclosures were issued within three business days of the initial application date of 03/XX/2026. Resolved. Received required documents. |
Single Family | 06/XX/2026 | 60.283% | 60.283% | Primary | Cash Out | 733 | 9.83 | xx | 0.58 | $2,000.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$61,873.44 | 48.606% | Alternative | QC Complete | 06/19/2026 | ||||||
| 437 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 43.333% | 43.333% | Investor | Cash Out | 751 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$119,429.31 | Alternative | QC Complete | 07/15/2026 | ||||||||||||
| 438 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2026 | 63.049% | 63.049% | Investor | Refinance | 754 | xx | 10.25 | $44,281.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.128% | Alternative | QC Complete | 06/09/2026 | |||||||||
| 439 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 775 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/10/2026 | ||||||||||||
| 440 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplement which should cover the loan amount 07/XX/2026: Resolved. Received updated title *** (CURED) xx TRID Tolerance Test is Incomplete - EV R COMMENT: Missing Initial Closing Disclosure. Resolved 07/XX/2026: Received Initial Closing Disclosure dated 06/XX/2026 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: provide a copy of Bank statement of XX of 1/XX/2026 07/XX/2026: Resolved. Received 01/XX/2026 bank statement. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 84.727% | 84.727% | Primary | Refinance | 806 | 1.33 | xx | 15.33 | $89,899.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.518% | Alternative | QC Complete | 07/07/2026 | |||||||
| 441 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 443 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/03/2026 | ||||||||||||
| 444 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 712 | 4 | xx | 7.58 | $6,002.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$21,177.74 | 42.704% | Alternative | QC Complete | 07/14/2026 | |||||||
| 445 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing the documentation for the housing payment history since the prior home sold in Feb 2026. A copy of an exception approval letter is available in the loan file. |
FICO: 798 FICO exceeds the guideline requirement of 700. LTV: 28.46% LTV is less than the guideline requirement of 85.00%. Residual Income : $8,552.59 exceeds the minimum guideline requirement of $2,500. |
PUD | 07/XX/2026 | 28.463% | 28.463% | Primary | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/20/2026 | ||||||||||
| 446 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/09/2026 | ||||||||||||
| 447 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 802 | xx | 1.83 | $23,875.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.873% | No | Full Documentation | QC Complete | 07/01/2026 | ||||||||
| 448 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 759 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 450 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of XX. Provide a copy of Title supplement to cover the loan amount. 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 77.895% | 77.895% | Investor | Cash Out | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$2,000.00 | Alternative | QC Complete | 07/08/2026 | |||||||||||
| 452 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting document for the amount of $350 for property address "XX" 07/XX/2026; Resolved: Received updated 1003 with the $350.00 removed from the 1003 |
PUD | 06/XX/2026 | 50.710% | 50.710% | Secondary | Purchase | 725 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/23/2026 | |||||||||||
| 453 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) xx TRID Tolerance Test Failed - EV R COMMENT: TRID violation due to Appraisal Review fee Added on Final CD dated 06/XX/2026. Initial LE dated 04/XX/2026 reflects Appraisal Review fee as $0.00 however, Final CD dated 06/XX/2026 reflects the Appraisal Review fee as $120.00. Require valid COC or cure amount of $120.00. Resolved 06/XX/2026: Received COC dated 05/XX/2026 and exception is cleared. |
PUD | 06/XX/2026 | 61.777% | 61.777% | Primary | Purchase | 746 | xx | 9.25 | $213,612.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
7.753% | No | Alternative | QC Complete | 06/17/2026 | |||||||
| 455 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide the corrected final 1003 for both Borrower 1 and Borrower 2 to resolve the income discrepancy. as the borrowers initial 1003 reflects Social Security/Disability and Pension/Retirement income, this income is not reflected in the final 1003, though it has been used in the DTI calculations. 6/XX/2026: Resolved: Received updated 1003 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a corrected copy of the Mortgage or Deed of Trust (DOT) reflecting the MIN or xx (Mortgage Identification Number), as it is missing. 07/XX/2026: Resolved. Received a loe from client stating: this loan is for the state of MAINE. XX had requested that all loans in the state of Maine be set to be Non-xx. This is not a program/product specific this is State Specific. Per the XX which has been in production since June 2021. |
PUD | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 763 | xx | 6.33 | $10,636.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.540% | No | Full Documentation | QC Complete | 06/24/2026 | |||||||
| 456 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 765 | xx | 3.42 | $33,012.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.032% | No | Alternative | QC Complete | 07/01/2026 | ||||||||
| 457 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 796 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 459 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 797 | xx | 6.42 | $49,730.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.952% | No | Alternative | QC Complete | 07/15/2026 | ||||||||
| 462 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 795 | xx | 3 | $15,397.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.920% | No | Alternative | QC Complete | 06/03/2026 | ||||||||
| 463 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Tax and insurance document for property address "XX" 06/XX/2026: Counter. No proof of insurance was provided. 06/XX/2026: Resolved. Property is land no HOI |
Single Family | 05/XX/2026 | 68.261% | 68.261% | Primary | Purchase | 774 | xx | 15.83 | $18,707.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.460% | No | Alternative | QC Complete | 06/04/2026 | |||||||
| 464 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the condo questionnaire, as it is missing. 06/XX/2026: Resolved. Received condominium Information sheet. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 715 | xx | 0.08 | $12,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.780% | No | Full Documentation | QC Complete | 06/22/2026 | |||||||
| 465 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 06/XX/2026 | 60.000% | 60.000% | Investor | Purchase | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/22/2026 | ||||||||||||
| 467 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 781 | xx | 9.17 | $49,968.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.147% | No | Alternative | QC Complete | 07/09/2026 | ||||||||
| 468 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 753 | xx | 3.08 | $3,416.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.250% | No | Full Documentation | QC Complete | 06/11/2026 | ||||||||
| 469 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Use 100% of business assets in account XX A copy of an exception approval letter is available in the loan file. |
FICO: 670 FICO exceeds the guideline requirement of 640. Residual Income : $22,095.16 monthly DTI: 19.381% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 06/XX/2026 | 67.532% | 67.532% | Primary | Purchase | 670 | xx | 23.41 | $27,407.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.381% | No | Alternative | QC Complete | 07/08/2026 | ||||||
| 470 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling and increase dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the policy to cover the loan amount. 07/XX/2026 Resolved - Resolved as per the fnma guidelines. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 794 | 21.83 | $42,265.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$228,191.88 | 14.408% | Alternative | QC Complete | 06/17/2026 | ||||||||
| 471 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 769 | 1 | xx | 13.58 | $42,399.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$196,556.01 | 16.624% | Alternative | QC Complete | 07/08/2026 | |||||||
| 472 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Final 1003_Application - EV R COMMENT: Please provide a corrected and fully executed Final Form 1003 reflecting all sources of qualifying income. Section 1e should accurately disclose the borrower's Other Income, including the monthly income amounts attributed to Asset Depletion and Retirement Income, consistent with the income used in the underwriting analysis and loan approval. 07/XX/2026: Resolved. Received updated 1003 *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The REO property address is reflected as XX on the Form 1003 and the lease agreement provided in the file. However, Schedule E reflects the address as XX Please provide an updated Schedule E reflecting the correct property address of XX to ensure consistency with the loan file documentation. 07/XX/2026: Received LOE stating the correct property address per hazard insurance and county records is xx. The discrepancy on tax returns is a typo and we (client) have confirmed online that property XX does not exist |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 703 | xx | 1.17 | $14,209.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.122% | Yes | Alternative | QC Complete | 06/22/2026 | |||||||
| 474 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 744 | xx | 10.42 | $11,812.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.444% | No | Full Documentation | QC Complete | 07/21/2026 | ||||||||
| 476 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 07/XX/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 54.507% | 54.507% | Primary | Cash Out | 745 | 10.08 | xx | 8.42 | $8,335.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$34,208.29 | 37.385% | Alternative | QC Complete | 07/14/2026 | ||||||
| 477 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 734 | 0.91 | xx | 2.75 | $8,273.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$11,418.27 | 44.328% | Alternative | QC Complete | 06/18/2026 | |||||||
| 479 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 720 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 480 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Purchase Contract is missing - EV R COMMENT: Provide a complete copy of the Purchase Agreement. Pages 1 of 12, 3 of 12, 10 of 12, and 11 of 12 are missing from the current file. 07/XX/2026: Resolved. Received all pages of contract *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the lease agreement for the subject property located at XX as it is currently missing from the file. 07/XX/2026: Countered. per the guidelines: Purchase and Delayed Financing Subject property is tenant occupied at the time of first payment due: The lesser of the market rent from the Single-Family Comparable Rent Schedule (Form 1007/1000) / Small Residential Income Property Appraisal Report (1025/72) or the current (active) lease agreement will be used to determine the monthly rent. A copy of the current lease is required. 07/XX/2026: Resolved. The lessor of the actual rents from the rent schedule was used to calculate the DSCR calculations. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated copy of the hazard insurance document that includes the premium amount, as it is missing. 07/XX/2026: Resolved. Received updated HOI. |
2 Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 729 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/01/2026 | |||||||||||
| 483 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provided appraisal report reflects the occupancy as owner-occupied and the loan purpose as an investment cash-out refinance transaction. Provide a copy of updated appraisal to reflecting the correct occupancy status as vacant/tenant. 06/XX/2026: Resolved. Received updated appraisal |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower is only a 50% owner of the LLC the property is currently vested in vs the requirement of being a majority owner/shareholder A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 680. Reserves: The 130 months of available reserves are more than the guideline requirement of 3 months. LTV: 55.25% LTV is less than the guideline requirement of 60.00%. |
Single Family | 06/XX/2026 | 55.249% | 55.249% | Investor | Cash Out | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$109,422.36 | Alternative | QC Complete | 06/16/2026 | |||||||||
| 484 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/07/2026 | ||||||||||||
| 488 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 784 | xx | 3 | $60,619.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.691% | No | Alternative | QC Complete | 06/23/2026 | ||||||||
| 490 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 731 | xx | 0.5 | $17,500.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.469% | No | Full Documentation | QC Complete | 06/08/2026 | ||||||||
| 494 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing credit report - EV R COMMENT: Provide a copy of Credit Report. 07/XX/2026: Resolved. Received copy of credit report *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003 that includes the other income. The SSA income was not listed on the final 1003 for either borrowers. 07/XX/2026: Resolved. Received updated 1003 |
PUD | 06/XX/2026 | 68.750% | 68.750% | Primary | Purchase | 760 | $61,585.80 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
19.932% | No | Alternative | QC Complete | 07/01/2026 | |||||||||
| 496 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing credit report - EV R COMMENT: Provide a copy of Credit report as it is missing 07/XX/2026: Resolved. Received credit report |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 758 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
28.984% | No | Full Documentation | QC Complete | 07/01/2026 | ||||||||||
| 497 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 69.745% | 69.745% | Primary | Cash Out | 698 | 20.08 | xx | 12 | $15,253.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$338,488.27 | 22.551% | Alternative | QC Complete | 07/15/2026 | |||||||
| 498 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/04/2026 | ||||||||||||
| 500 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 503 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 722 | xx | 27.5 | $26,396.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.282% | No | Alternative | QC Complete | 07/21/2026 | ||||||||
| 508 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 803 | xx | 3.66 | $20,734.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.962% | No | Full Documentation | QC Complete | 06/09/2026 | ||||||||
| 510 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing to permit assignment of contract. (Original buyer was XX - it was assigned to XX, who is the husband.) A copy of an exception approval letter is available in the loan file. |
DTI: 31.56% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 756 FICO exceeds the guideline requirement of 700. Reserves: The 13 months of available reserves are more than the guideline requirement of 6 months. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 756 | xx | 6 | $47,931.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.564% | No | Alternative | QC Complete | 07/07/2026 | ||||||
| 512 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 731 | xx | 13.92 | $14,050.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.626% | No | Alternative | QC Complete | 06/04/2026 | ||||||||
| 513 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 694 | 12 | xx | 21.33 | $8,927.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$114,740.86 | 26.123% | Alternative | QC Complete | 06/17/2026 | |||||||
| 514 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of the secondary valuation CDA for subject property as it missing. 07/XX/2026: Resolved. Received CDA |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 664 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/02/2026 | |||||||||||
| 516 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 720 | xx | 22.33 | $18,022.73 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
46.274% | Yes | Alternative | QC Complete | 06/04/2026 | ||||||||
| 518 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 79.828% | 79.828% | Investor | Purchase | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 520 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 772 | xx | 11.66 | $111,114.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
12.991% | No | Alternative | QC Complete | 06/22/2026 | ||||||||
| 521 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 51.133% | 51.133% | Primary | Cash Out | 697 | 3 | xx | 20.5 | $20,610.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$78,159.16 | 33.891% | Alternative | QC Complete | 07/15/2026 | |||||||
| 523 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 739 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/23/2026 | ||||||||||||
| 524 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2026 | 41.841% | 41.841% | Primary | Cash Out | 751 | 19.17 | xx | 14.25 | $14,572.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$381,180.57 | 32.867% | Alternative | QC Complete | 06/08/2026 | |||||||
| 526 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 747 | xx | 15.25 | $8,267.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.583% | No | Alternative | QC Complete | 06/22/2026 | ||||||||
| 528 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy updated Driver License. Document in file is illegible. 06/XX/2026: Resolved. Received ID |
Single Family | 05/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 701 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/03/2026 | ||||||||||||
| 529 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 04/XX/2026 | 49.302% | 49.302% | Investor | Cash Out | 680 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$95,925.87 | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 530 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 62.882% | 62.882% | Investor | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/02/2026 | ||||||||||||
| 532 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated final 1003 document with rent as "$1,100" 07/XX/2026 Resolved: The copy of updated 1003 resolves the condition. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 791 | xx | 2.41 | $33,607.73 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
7.597% | Yes | Alternative | QC Complete | 07/02/2026 | |||||||
| 533 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Mortgage |
No | Alternative | QC Complete | 07/09/2026 | ||||||||||||
| 535 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 60.261% | 60.261% | Primary | Cash Out | 658 | 22 | xx | 5.08 | $3,978.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$114,635.50 | 35.701% | Alternative | QC Complete | 07/14/2026 | |||||||
| 536 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title supplement to cover the loan amount. 06/XX/2026: Resolved. Received updated title *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.291% Allowed 8.100% Overby +0.191% This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 651 | 2.08 | xx | 10.42 | $37,536.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$207,385.06 | 25.230% | Alternative | QC Complete | 06/18/2026 | ||||||
| 539 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 1 | 2 | 1 | No | No | *** (WAIVED) Property zoned rural and contains more than 10
acres - EV W COMMENT: Exception is for subject property having XX Acres , when Max allowed is 20 Acres A copy of an exception approval letter is available in the loan file. |
LTV: 73.659% LTV is less than the guideline requirement of
85.00%. Residual Income : $28,874.47 monthly. DTI: 27.87% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 06/XX/2026 | 73.659% | 73.659% | Primary | Purchase | 679 | xx | 2.58 | $20,017.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.876% | No | Alternative | QC Complete | 06/23/2026 | ||||||
| 541 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated title report with the property address reflecting the unit no "#XX ". 06/XX/2026: Resolved. Received updated title. |
Low Rise Condo (1-4 Stories) | 05/XX/2026 | 72.289% | 72.289% | Investor | Cash Out | 727 | xx | 0.16 | $1,918.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$289,513.77 | 46.517% | Full Documentation | QC Complete | 06/04/2026 | |||||||
| 543 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for DTI over 50%. DTI is 52.628%. A copy of an exception approval letter is available in the loan file. |
FICO: 747 exceeds the minimum FICO requirement of 720. Reserves: 94 months of available reserves are more than the guideline requirement of 10 months. B1 has a 3rd income source started September 2025, most recent start date February 2026 and year-to-date income average is $3356 not using due to less than 12-month history. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 747 | xx | 2.83 | $12,070.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
52.631% | No | Full Documentation | QC Complete | 08/12/2026 | ||||||
| 544 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 71.429% | 71.429% | Primary | Purchase | 704 | xx | 3.5 | $29,352.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.115% | No | Alternative | QC Complete | 07/16/2026 | ||||||||
| 546 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report reflecting coverage for the full loan amount. The current title insurance amount of $XX does not cover the loan amount of $XX. 06/XX/2026: Resolved. Received updated title |
PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/22/2026 | |||||||||||
| 547 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final 1003. The Income from other Source section does not reflect the Asset Depletion income for Co-Borrower ( XX) , in the amount of $2,120.50 as it is missing 07/XX/2026: Resolved. Received updated 1003 |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHBs living rent free A copy of an exception approval letter is available in the loan file. |
FICO: 784 FICO exceeds the guideline requirement of 700. Reserves: The 72 months of available reserves are more than the guideline requirement of 6 months. LTV: 70.00% LTV is less than the guideline requirement of 85.00%. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 784 | $2,120.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.917% | No | Alternative | QC Complete | 07/01/2026 | |||||||
| 549 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 759 | xx | 5.75 | $11,799.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.940% | No | Alternative | QC Complete | 07/08/2026 | ||||||||
| 550 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 552 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 553 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 85.000% | 85.000% | Primary | Refinance | 732 | 2.75 | xx | 7.25 | $59,846.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.265% | Alternative | QC Complete | 07/15/2026 | ||||||||
| 555 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 74.973% | 74.973% | Primary | Purchase | 771 | xx | 8.42 | $94,576.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
7.226% | Yes | Alternative | QC Complete | 07/08/2026 | ||||||||
| 556 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provided hazard insurance document reflect the subject mortgagee name as 'XX', which is not the subject lender. Provided a copy of updated hazard insurance document to reflect the correct subject mortgagee name as XX. 07/XX/2026: Resolved. Received updated HOI *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Business Purpose Affidavit as it is missing. 07/XX/2026: Resolved. Received copy of Business Purpose |
Single Family | 06/XX/2026 | 68.841% | 68.841% | Investor | Refinance | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/01/2026 | ||||||||||||
| 558 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Secondary | Purchase | 790 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 559 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 63.884% | 63.884% | Primary | Purchase | 809 | xx | 4.25 | $12,503.69 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.096% | No | Alternative | QC Complete | 07/01/2026 | ||||||||
| 562 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Preliminary title does not reflect the amount of $XX title insured coverage amount. provide a copy of supplemental report. 06/XX/2026 Resolved : The copy of final title policy resolves the condition. *** (CURED) Intent to Proceed Missing - EV R COMMENT: Missing Intent to Proceed Document. Resolved 06/XX/2026: Received Intent to proceed document dated 04/XX/2026 and exception is cleared. |
Low Rise Condo (1-4 Stories) | 05/XX/2026 | 50.000% | 50.000% | Primary | Purchase | 776 | xx | 9.5 | $16,208.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.599% | No | Full Documentation | QC Complete | 06/18/2026 | |||||||
| 566 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 783 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.396% | No | Full Documentation | QC Complete | 06/19/2026 | |||||||||||
| 567 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.984% | 68.984% | Investor | Cash Out | 736 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$119,693.54 | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 568 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 569 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. Provide an updated title report to cover the loan amount of $XX. 07/XX/2026: Resolved. Received updated title |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception to not payoff/remove a disputed collection account within 24 mos. and >$2000. A copy of an exception approval letter is available in the loan file. |
FICO: 752 exceeds the minimum FICO requirement of 720. DSCR: 1.02 exceeds the minimum DSCR requirement of 1.00. Reserves: 30 months of available reserves are more than the guideline requirement of 6 months. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | |||||||||
| 570 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 775 | xx | 2.16 | $70,484.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.575% | No | Alternative | QC Complete | 06/04/2026 | ||||||||
| 571 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/16/2026 | ||||||||||||
| 574 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Condo Rider as the appraisal report indicated the subject property ad Condo property. 07/XX/2026: Resolved. Received corrected appraisal correcting property to a PUD |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 815 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | |||||||||||
| 575 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 06/04/2026 | ||||||||||||
| 576 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX 06/XX/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: As per note loan amount is $XX, loan score card reflecting loan amount of $XX. Required correction of loan amount in loan scorecard as per note loan amount. 06/XX/2026: Resolved. Received updated LoanScore Card. |
Single Family | 06/XX/2026 | 71.957% | 71.957% | Investor | Refinance | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/18/2026 | ||||||||||||
| 578 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.481% Allowed 8.100% Overby +0.381% This loan is compliant with regulation 1026.35. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 795 | xx | 5.42 | $115,631.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.636% | Yes | Alternative | QC Complete | 06/22/2026 | |||||||
| 579 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 60.000% | 60.000% | Primary | Cash Out | 681 | 48 | xx | 14.33 | $143,150.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$38,988.95 | 18.976% | Alternative | QC Complete | 07/16/2026 | |||||||
| 580 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 794 | xx | 6.41 | $50,377.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.327% | Yes | Alternative | QC Complete | 07/16/2026 | ||||||||
| 581 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: As per the government ID, the borrower "XX" is male; however, the final 1003 reflects the sex as "female." A correction is required for final 1003 to change the sex from female to male. 07/XX/2026: Resolved. Received updated 1003 *** (CURED) Required Documentation Missing - EV R COMMENT: 1. The XX bank statement reflects the business name as "DXX" The income is $13,936.63 for B1 and $13,390.09 for B2. However, in the final 1003, the income is matched with "XX." A correction is required to update the final 1003 for B1 and B2 to reflect the correct business names. 2. The XX bank statement reflects the business name as "XX." The income is $12,898.52 for B1 and $12,392.69 for B2. However, in the final 1003, the income is matched with "XX." A correction is required to update the final 1003 for B1 and B2 to reflect the correct business names. 07/XX/2026: Resolved. Received updated 1003 *** (CURED) Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) - EV R COMMENT: The mortgage clause is missing from the title report. provide an updated copy of the title report that includes the mortgage clause 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 728 | 10 | xx | 7.16 | $26,835.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$82,289.01 | 28.640% | Alternative | QC Complete | 08/14/2026 | ||||||
| 582 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 583 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/05/2026 | ||||||||||||
| 584 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/20/2026 | ||||||||||||
| 585 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/22/2026 | ||||||||||||
| 589 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 61.698% | 61.698% | Primary | Cash Out | 743 | 9 | xx | 4.25 | $10,415.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$2,023.55 | 43.961% | Alternative | QC Complete | 07/14/2026 | |||||||
| 590 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.067% | 68.067% | Primary | Refinance | 800 | 2.16 | xx | 8.16 | $38,928.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.044% | Alternative | QC Complete | 07/16/2026 | ||||||||
| 591 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 65.934% | 65.934% | Primary | Refinance | 743 | 1 | xx | 2.25 | $51,997.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.036% | Alternative | QC Complete | 06/19/2026 | ||||||||
| 593 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 594 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 805 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/01/2026 | ||||||||||||
| 596 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 51.172% | 51.172% | Primary | Purchase | 719 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 599 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 77.363% | 77.363% | Primary | Cash Out | 731 | 1.5 | xx | 6.33 | $18,333.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,986.74 | 38.183% | Alternative | QC Complete | 06/08/2026 | |||||||
| 601 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 730 | xx | 17.33 | $27,870.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.444% | No | Full Documentation | QC Complete | 07/07/2026 | ||||||||
| 602 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 750 | xx | 3.33 | $29,197.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.000% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 603 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 748 | xx | 10.66 | $1,951,307.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
1.775% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 604 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 39.593% | 39.593% | Investor | Purchase | 780 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/02/2026 | ||||||||||||
| 605 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 76.502% | 76.502% | Primary | Cash Out | 734 | 16.58 | xx | 22.16 | $7,852.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$499,605.41 | 39.972% | Alternative | QC Complete | 06/18/2026 | |||||||
| 606 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 73.913% | 73.913% | Primary | Cash Out | 702 | 21.5 | xx | 4.5 | $8,558.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$187,850.93 | 38.553% | Alternative | QC Complete | 07/21/2026 | |||||||
| 607 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 05/XX/2026 | 51.861% | 51.861% | Primary | Purchase | 795 | $4,609.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.522% | No | Alternative | QC Complete | 06/05/2026 | ||||||||||
| 610 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 61.538% | 61.538% | Primary | Cash Out | 800 | 21.58 | xx | 14.42 | $5,943.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$11,336.55 | 27.948% | Alternative | QC Complete | 06/19/2026 | |||||||
| 611 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated final 1003 document with other income asset depletion $12,000.00 reflecting on it. 07/XX/2026: Resolved. Received updated 1003 |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Cash back of 600K exceeds guideline maximum cash out 500K at 66% LTV A copy of an exception approval letter is available in the loan file. |
FICO: 782 FICO exceeds the guideline requirement of 640. DTI: 30.62% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $11,834.25 monthly. |
PUD | 06/XX/2026 | 65.574% | 65.574% | Primary | Cash Out | 782 | 23 | $5,058.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$596,786.15 | 30.623% | Alternative | QC Complete | 07/02/2026 | ||||||
| 613 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of updated borrower government ID as it is expired. 07/XX/2026: Resolved. At the time of closing ID had not expired. |
Single Family | 07/XX/2026 | 66.667% | 66.667% | Primary | Purchase | 771 | xx | 9.16 | $2,473,531.80 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
1.346% | No | Alternative | QC Complete | 07/16/2026 | |||||||
| 615 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Unable to determine Lender's name on title, provide a copy of updated title report. 06/XX/2026: Resolved. Received updated title. *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Hazard insurance dwelling amount $XX is not sufficient to cover the loan amount $XX. Provide RCA document. 06/XX/2026: Resolved. Received RCE. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 796 | xx | 0.58 | $18,333.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.409% | No | Full Documentation | QC Complete | 06/18/2026 | |||||||
| 617 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Amount of Title insurance $XX is less than the loan amount $XX Provide a copy of supplemental report. 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Refinance | 777 | xx | 18.5 | $217,188.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
7.085% | Alternative | QC Complete | 07/02/2026 | ||||||||
| 618 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003. The asset depletion income must be listed under Other Income on the final 1003. 07/XX/2026: Resolved. Received updated 1003 |
Single Family | 06/XX/2026 | 27.769% | 27.769% | Primary | Purchase | 712 | $10,704.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.977% | Yes | Alternative | QC Complete | 07/08/2026 | |||||||||
| 619 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 65.857% | 65.857% | Primary | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
23.196% | Yes | Alternative | QC Complete | 07/08/2026 | |||||||||||
| 620 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraiser Licence Missing - EV R COMMENT: Provide a copy of the appraiser license, as it is missing in the loan file. 07/XX/2026: Resolved. Received appraisers license. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.326% Allowed 8.070% Overby +0.256%. This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2026 | 89.941% | 89.941% | Primary | Purchase | 766 | 8 | $34,766.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.505% | No | Alternative | QC Complete | 07/09/2026 | ||||||||
| 621 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: "Borrower has Social Security income, but it is not reflected on the 1003. A correction to the 1003 is required." 07/XX/2026: Resolved. Received updated 1003 |
PUD | 06/XX/2026 | 72.414% | 72.414% | Primary | Refinance | 777 | 2.08 | xx | 5.42 | $13,327.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.999% | Alternative | QC Complete | 07/02/2026 | |||||||
| 622 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 761 | xx | 8.25 | $71,459.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.235% | No | Full Documentation | QC Complete | 07/02/2026 | ||||||||
| 623 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated hazard insurance with mortgage clause "ISAOA/ATIMA" for the mortgagee "XX Mortgage". 07/XX/2026: Resolved. Received updated HOI |
PUD | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 796 | xx | 6.42 | $30,771.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.098% | No | Alternative | QC Complete | 07/06/2026 | |||||||
| 624 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 816 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/04/2026 | ||||||||||||
| 625 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 758 | xx | 0.75 | $37,500.00 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
24.366% | No | Full Documentation | QC Complete | 07/06/2026 | ||||||||
| 626 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Title report or supplemental title report including Lender ISAOA/ATIMA clause, as is it missing. 06/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/23/2026 | |||||||||||
| 627 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 06/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 733 | xx | 9.92 | $25,466.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$141,865.98 | 31.309% | Alternative | QC Complete | 06/19/2026 | ||||||||
| 628 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 794 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 629 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 632 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 749 | xx | 5.08 | $9,188.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.639% | No | Alternative | QC Complete | 07/15/2026 | ||||||||
| 634 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 739 | xx | 4.67 | $9,480.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.373% | Yes | Alternative | QC Complete | 07/02/2026 | ||||||||
| 635 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 748 | $7,157.69 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.197% | Yes | Alternative | QC Complete | 06/03/2026 | ||||||||||
| 636 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Subject property XX is reflecting as Primary residence in REO section. Provide a copy of corrected 1003 reflecting Investment. 06/XX/2026 Resolved : The copy of corrected final application resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: REO property in 1003 3b section ( XX) reflecting as primary residence, provide updated 1003 or supporting documents. 06/XX/2026 Resolved : The copy of corrected final application resolves the condition. |
2 Family | 06/XX/2026 | 67.073% | 67.073% | Investor | Cash Out | 703 | xx | 6.25 | $32,077.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$153,287.81 | 28.709% | Alternative | QC Complete | 06/19/2026 | |||||||
| 640 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/19/2026 | ||||||||||||
| 642 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/22/2026 | ||||||||||||
| 643 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 62.385% | 62.385% | Primary | Cash Out | 761 | 14.42 | xx | 44.42 | $85,916.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$319,317.33 | 5.677% | Alternative | QC Complete | 06/22/2026 | |||||||
| 645 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 65.349% | 65.349% | Investor | Cash Out | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$82,060.27 | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 650 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for FTHB with only six months rental history. A copy of an exception approval letter is available in the loan file. |
FICO: 789 FICO exceeds the guideline requirement of 700. Residual Income : $2,042.15 monthly . LTV: 49.98% LTV is less than the guideline requirement of 90.00%. |
Single Family | 07/XX/2026 | 49.983% | 49.983% | Primary | Purchase | 789 | xx | 2.75 | $3,613.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.478% | Yes | Alternative | QC Complete | 07/20/2026 | ||||||
| 651 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an LEO stating that the property "XX have no HOA fees. 06/XX/2026: Countered. The final 1003 does not indicate that the property is a SFR. A LOE stating no HOA fees for xx. 06/XX/2026: Countered. Proof XX is a SFR to show proof property has no HOA fee. 07/XX/2026: Resolved. Received loe from client stating they do not provide proof of property type for every REO listed on the 1003. |
Low Rise Condo (1-4 Stories) | 05/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 722 | xx | 12.42 | $196,921.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.571% | No | Alternative | QC Complete | 06/10/2026 | |||||||
| 653 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2026 | 62.926% | 62.926% | Investor | Refinance | 746 | xx | 6.33 | $47,705.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.055% | Full Documentation | QC Complete | 06/03/2026 | |||||||||
| 656 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/02/2026 | ||||||||||||
| 658 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 54.299% | 54.299% | Primary | Purchase | 798 | xx | 22.75 | $122,368.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.340% | No | Alternative | QC Complete | 07/09/2026 | ||||||||
| 660 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 700 | xx | 18.42 | $31,897.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.165% | No | Alternative | QC Complete | 07/06/2026 | ||||||||
| 661 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 743 | 1.66 | xx | 8.42 | $18,070.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$318,604.72 | 48.759% | Alternative | QC Complete | 07/08/2026 | |||||||
| 662 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 782 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/05/2026 | ||||||||||||
| 663 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The DOT shows both PUD and condominium riders checked. Provide an updated DOT with only condominium rider checked. 07/XX/2026: Resolved. Received updated DOT *** (CURED) Required Documentation Missing - EV R COMMENT: Provide proof of HOA fee for the property "XX" as it is missing. 07/XX/2026: Resolved. Received proof of HOA |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 781 | xx | 15 | $52,287.47 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.011% | No | Alternative | QC Complete | 07/01/2026 | |||||||
| 665 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The title amount is not sufficient to cover the loan amount of $XX. Provide a copy of the supplemental title report. 07/XX/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the insurance and HOA documents for the property located at XX.” 07/XX/2026; Resolved. Received HOI & HOA |
Single Family | 06/XX/2026 | 61.947% | 61.947% | Primary | Cash Out | 729 | 27.58 | xx | 19.08 | $111,778.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$342,917.53 | 8.282% | Alternative | QC Complete | 07/02/2026 | ||||||
| 666 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.484% | 75.484% | Primary | Cash Out | 703 | 5.75 | xx | 11.66 | $18,878.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$76,156.26 | 35.870% | Alternative | QC Complete | 06/16/2026 | |||||||
| 667 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.649% Allowed 8.100% + Overby 0.549% This loan is compliant with regulation 1026.35. |
PUD | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 745 | xx | 5.5 | $10,481.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.512% | No | Alternative | QC Complete | 07/02/2026 | |||||||
| 669 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 50.589% | 50.589% | Primary | Cash Out | 773 | 0.83 | xx | 3.33 | $4,180.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$54,449.60 | 49.998% | Full Documentation | QC Complete | 07/08/2026 | |||||||
| 671 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 07/XX/2026: Resolved. Received business purpose |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 807 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | |||||||||||
| 673 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 04/XX/2026 | 79.405% | 79.405% | Primary | Cash Out | 706 | 1.58 | xx | 3.25 | $19,728.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$77.52 | 35.224% | Alternative | QC Complete | 05/22/2026 | |||||||
| 674 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 805 | xx | 5.17 | $35,632.56 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
37.590% | Yes | Alternative | QC Complete | 07/20/2026 | ||||||||
| 675 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Disclosure - Your Home Loan Toolkit is missing or
unexecuted - EV R COMMENT: Missing Home Loan Toolkit. 06/XX/2026 Resolved : the copy of toolkit resolves the condition. |
Single Family | 06/XX/2026 | 52.083% | 52.083% | Primary | Purchase | 795 | xx | 3.42 | $4,303.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.281% | No | Alternative | QC Complete | 06/22/2026 | |||||||
| 677 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 742 | xx | 7.83 | $12,519.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.348% | No | Full Documentation | QC Complete | 07/08/2026 | ||||||||
| 680 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/09/2026 | ||||||||||||
| 681 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 730 | xx | 5.42 | $40,770.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.322% | Yes | Alternative | QC Complete | 07/08/2026 | ||||||||
| 682 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 793 | xx | 2.25 | $28,226.88 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.143% | No | Full Documentation | QC Complete | 07/10/2026 | ||||||||
| 686 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 787 | xx | 7.83 | $29,526.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
29.575% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 687 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 06/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/19/2026 | ||||||||||||
| 689 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Qualified Mortgage Safe Harbor Threshold: Charged 7.954% Allowed 7.920% Overby+0.034%. This loan is compliant with regulation 1026.35. |
2 Family | 05/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 791 | xx | 10 | $17,434.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.319% | Yes | Alternative | QC Complete | 06/03/2026 | |||||||
| 691 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 779 | xx | 5.08 | $35,549.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.047% | Yes | Alternative | QC Complete | 07/10/2026 | ||||||||
| 692 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 49.367% | 49.367% | Primary | Purchase | 767 | xx | 24 | $8,927.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.587% | No | Full Documentation | QC Complete | 06/09/2026 | ||||||||
| 693 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the policy to cover the loan amount. 7/XX/2026: Resolved. Received RCE *** (CURED) Required Documentation Missing - EV R COMMENT: Assets are insufficient to cover the required reserves of $28,718.60. Provide a copies of most recent additional two months of bank statements to meet the reserve requirements. 07/XX/2026: Resolved. Received additional bank statements. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 767 | xx | 6.75 | $113,275.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.611% | Alternative | QC Complete | 07/14/2026 | ||||||||
| 695 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount is not sufficient to cover loan amount. Provide an updated hazard insurance with sufficient dwelling or Replacement cost estimator (RCE). 6/XX/2026: Resolved. Received RCE *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Correction required on final 1003, subject property occupancy from "Primary residence" to "Investment" on REO section. 06/XX/2026: Countered. The 1003 still shows XX as the primary residence. This address needs to be shown as investment in the REO section of the 1003. 07/XX/2026: Resolved. Received updated 1003 |
Single Family | 05/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 717 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$115,631.13 | Alternative | QC Complete | 06/10/2026 | |||||||||||
| 699 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of corrected final 1003 to resolve the final 1003 REO property occupancy discrepancy for property XX, occupancy reflecting as Investment rather then Primary residence. 07/XX/2026 Resolved : The copy of updated 1003 resolves the condition. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 769 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/02/2026 | |||||||||||
| 702 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Permit one full appraisal with CDA to support for cash out refinance with appreciation greater than 20% in the past 12 months A copy of an exception approval letter is available in the loan file. |
FICO: 714 FICO exceeds the guideline requirement of 700. LTV: 69.61% LTV is less than the guideline requirement of 70.00%. DTI: 22.30% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 06/XX/2026 | 69.611% | 69.611% | Investor | Cash Out | 714 | xx | 3.75 | $17,406.91 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Mortgage |
$11,074.87 | 22.301% | Alternative | QC Complete | 07/02/2026 | ||||||
| 704 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the master policy to cover the loan amount. 06/XX/2026: Resolved. Received master policy *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Condo Questionnaire as it is missing. 06/XX/2026: Resolved. 1008 indicates Exempt from review, Condo project review waived. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of corrected final 1003 to resolve the final 1003 REO property discrepancy for XX. as the final 1003 reflects only 'XX' with a payment of $3,469, and the initial 1003 included both XX and 'XX' with a total payment of $10,128.00, which has been verified and used in DTI calculations. 06/XX/2026: Resolved. XX is listed on XX is listed on XX |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | xx | 12.5 | $196,911.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.911% | No | Alternative | QC Complete | 06/16/2026 | |||||||
| 708 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 716 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/14/2026 | ||||||||||||
| 709 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 757 | xx | 16.33 | $48,623.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.737% | No | Alternative | QC Complete | 06/19/2026 | ||||||||
| 714 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 789 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | ||||||||||||
| 715 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 761 | xx | 2.75 | $16,819.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.262% | Yes | Alternative | QC Complete | 06/19/2026 | ||||||||
| 719 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan Amount exception for $XX vs $1,500,000 max for FTHB A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 700. Residual Income : $8208.903 monthly. |
Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 791 | xx | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 06/03/2026 | |||||||||
| 724 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 812 | xx | 16.42 | $8,809.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.363% | No | Alternative | QC Complete | 06/23/2026 | ||||||||
| 725 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.318% Allowed 8.020% Overby +1.298% This loan is compliant with regulation 1026.35. *** (CURED) The Appraisal License is Missing - EV R COMMENT: Provide a copy of appraisal license. 06/XX/2026 Resolved : The copy of appraisal license resolves the condition. |
Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 809 | xx | 4 | $4,252.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.408% | No | Alternative | QC Complete | 06/18/2026 | |||||||
| 726 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.355% Allowed 7.990% Overby +0.365% This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 686 | xx | 2.08 | $83,818.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.797% | No | Alternative | QC Complete | 07/09/2026 | |||||||
| 727 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$131,761.10 | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 728 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplement which is missing in the loan file 07/XX/2026: Resolved. Received updated title. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 735 | xx | 7.08 | $299,717.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
2.364% | No | Alternative | QC Complete | 07/08/2026 | |||||||
| 730 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 811 | xx | 7.08 | $27,372.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.952% | No | Alternative | QC Complete | 07/16/2026 | ||||||||
| 732 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/08/2026 | |||||||||||||
| 734 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 62.963% | 62.963% | Primary | Cash Out | 792 | 16 | xx | 18.75 | $69,424.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$386,024.73 | 36.074% | Alternative | QC Complete | 07/14/2026 | |||||||
| 735 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Non-permanent residents are not acceptable as per the guideline. However, an approved exception letter is present in the loan file, allowing the non-permanent resident borrower to qualify under the DSCR program. |
DSCR: 1.09 DSCR exceeds the guideline requirement of 1.00. FICO: 728 FICO exceeds the guideline requirement of 720. Reserves: The 29 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||
| 736 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide an updated CDA with borrower name "XX". 06/XX/2026: Resolved. Received updated CDA *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated 1003 with other income Pension $4,844.10 per month.As the loan is qualified using the borrower's pension income also. 06/XX/2026: Resolved. Received updated 1003. *** (CURED) Required Documentation Missing - EV R COMMENT: Borrower bank statement XX***XX and the CPA letter are reflecting name as "XX". Provide an updated name affidavit with the name "XX" or an LOE required for name discrepancy. 06/XX/3026: Resolved. XX is a shortened name of XX. Credit report includes the name XX as an additional name. *** (CURED) Title issue - EV R COMMENT: Provide an updated title report with mortgage clause "ISAOA/ITMA" for lender "XX". 06/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | xx | 38.08 | $15,858.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.221% | No | Alternative | QC Complete | 06/22/2026 | |||||||
| 737 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a supporting document for $274 for the property XX 7/XX/2026: Countered. document provided does not show an amount. 07/XX/2026 Resolved - The copy of property details resolves the condition. |
PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 777 | xx | 0.58 | $20,833.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.659% | No | Full Documentation | QC Complete | 07/02/2026 | |||||||
| 738 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 49.749% | 49.749% | Secondary | Cash Out | 725 | xx | 48.42 | $46,270.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$14,497.25 | 39.931% | Alternative | QC Complete | 07/20/2026 | ||||||||
| 740 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 802 | xx | 2.08 | $15,272.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.547% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 742 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 7.930% Allowed 7.920% Overby +0.010% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final 1003. The Income from other Source section does not reflect the Asset Depletion income for Borrower 1, ( xx ), in the amount of $22,709.17 as it is missing 07/XX/2026: Resolved. Received updated 1003 |
Single Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 812 | $22,709.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.043% | No | Alternative | QC Complete | 07/09/2026 | |||||||||
| 743 | XX | XX | XX | XX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Loan files do not meet guideline requirements. The guideline restricts property eligibility and excludes first-time homebuyers. 06/XX/2026: Countered. The property report provided does not show XX as owner of the property. Proof is still needed that the borrower is not a FTHB. 07/XX/2026 Resolved - the copy of property report showing borrower's ownership resolves the condition. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 807 | xx | 8.66 | $10,600.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.963% | Yes | Full Documentation | QC Complete | 06/24/2026 | |||||||
| 745 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing. 06/XX/2026: Resolved. Received CPL |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to allow maximum cash out of $750,000 for LTV over 60%, currently at 63%. A copy of an exception approval letter is available in the loan file. |
FICO: 731 FICO exceeds the guideline requirement of 640 LTV: 62.857% LTV is less than the guideline requirement of 70.00%. DTI: 44.126% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 05/XX/2026 | 62.857% | 62.857% | Primary | Cash Out | 731 | 6.25 | xx | 17.33 | $32,650.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$752,751.20 | 44.126% | Alternative | QC Complete | 08/12/2026 | ||||
| 746 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide an updated final 1003 with other income asset depletion $2,800.00 reflecting on it. 07/XX/2006: Resolved. Received updated 1003 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a supporting document for considering P&I of $10,229.12 reflecting on 1008 & loan scorecard. 07/XX/2026: Resolved. Received LOE stating loan is an ARM and the amount qualifying P&I is based on the qulaifiying rate of 7.59 |
Single Family | 06/XX/2026 | 74.359% | 74.359% | Primary | Purchase | 797 | xx | 5.91 | $27,883.34 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
39.567% | Yes | Full Documentation | QC Complete | 06/23/2026 | |||||||
| 747 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 710 | xx | 2 | $15,448.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.804% | Yes | Alternative | QC Complete | 07/02/2026 | ||||||||
| 750 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 769 | xx | 9.75 | $29,013.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.206% | No | Alternative | QC Complete | 07/02/2026 | ||||||||
| 751 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 67.397% | 67.397% | Primary | Cash Out | 704 | 2.41 | xx | 2.16 | $2,946.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$383,329.19 | 43.706% | Full Documentation | QC Complete | 07/16/2026 | |||||||
| 753 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 47.588% | 47.588% | Primary | Purchase | 741 | $14,896.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.794% | No | Alternative | QC Complete | 08/12/2026 | ||||||||||
| 754 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 724 | xx | 4.83 | $45,858.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.708% | Yes | Alternative | QC Complete | 07/08/2026 | ||||||||
| 755 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 78.676% | 78.676% | Investor | Refinance | 794 | xx | 11.08 | $63,045.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.108% | Alternative | QC Complete | 07/21/2026 | |||||||||
| 756 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/05/2026 | ||||||||||||
| 759 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 789 | 10 | xx | 15.42 | $27,476.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$165,457.37 | 20.576% | Alternative | QC Complete | 07/16/2026 | |||||||
| 762 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets are not sufficient to close - EV R COMMENT: Assets are not sufficient to cover the required reserves and cash to close. Provide a copies of the additional most recent two months’ bank statements to verify sufficient assets to meet the reserve and cash-to-close requirement in the amount of $314,334.28, as it is missing. 06/XX/2029: Countered. Total amount needed for cash to close and reserves is $742,440.17. Total verified is only $603,509.93. An additional $138,930.24 is still needed to be verified. 07/XX/2026: Countered. Will need to show proof of funds. 07/XX/2026: Resolved. Received wire for $550,000.00 *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.497% Allowed 7.760% Overby +0.737% This loan is compliant with regulation 1026.35. |
PUD | 06/XX/2026 | 31.047% | 31.047% | Primary | Purchase | 645 | xx | 14.42 | $30,740.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.224% | No | Alternative | QC Complete | 06/23/2026 | |||||||
| 767 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 65.000% | 65.000% | Investor | Refinance | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/13/2026 | |||||||||||||
| 769 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 739 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/18/2026 | ||||||||||||
| 771 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 743 | 4 | xx | 8.25 | $93,143.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$333,952.99 | 18.803% | Alternative | QC Complete | 06/05/2026 | |||||||
| 772 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2026 | 74.992% | 74.992% | Investor | Refinance | 779 | xx | 26.33 | $25,840.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.168% | Alternative | QC Complete | 07/08/2026 | |||||||||
| 773 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2026 | 66.121% | 66.121% | Primary | Purchase | 742 | xx | 3.33 | $15,532.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.143% | Yes | Alternative | QC Complete | 06/09/2026 | ||||||||
| 774 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 34.125% | 34.125% | Primary | Cash Out | 690 | 30 | xx | 19.66 | $7,498.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$73,143.47 | 20.386% | Alternative | QC Complete | 07/02/2026 | |||||||
| 776 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX 07/XX/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated hazard insurance with subject lender mortgage clause. 07/XX/2026 Resolved : The copy of hazard insurance resolves the condition. |
2 Family | 06/XX/2026 | 72.289% | 72.289% | Primary | Cash Out | 768 | 4.25 | xx | 1.08 | $9,707.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$104,052.92 | 49.870% | Full Documentation | QC Complete | 07/08/2026 | ||||||
| 777 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 778 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of Replacement cost estimate. Amount of hazard insurance is not sufficient to cover the loan amount. 07/XX/2026: Countered. Documnet provided is evidence of insurance. A replacement cost estimator is needed to calculate additional coverage needed. 07/XX/2026 Resolved : The copy of hazard insurance with replacement cost resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of tax document for the property "XX" as it is missing. 07/XX/2026: Resolved. Received tax document |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 683 | 3.58 | xx | 7.42 | $167,437.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$405,642.23 | 7.576% | Alternative | QC Complete | 07/02/2026 | ||||||
| 780 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2026 | 84.752% | 84.752% | Investor | Purchase | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/03/2026 | ||||||||||||
| 781 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$50,377.34 | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 782 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Provide a copy of Title Report for subject property as it is missing. 06/XX/2026: Countered. The document provided is only a Pre-closing status report. The full title commitment with all schedules and coverage amount of $XX is still needed. 07/XX/2026: Resolved. Received updated title. |
Single Family | 06/XX/2026 | 43.000% | 43.000% | Primary | Cash Out | 783 | 4 | xx | 0.92 | $12,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$413,447.44 | 28.263% | Full Documentation | QC Complete | 06/22/2026 | ||||||
| 783 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 678 | 20 | xx | 2.33 | $59,445.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$87,281.27 | 13.244% | Alternative | QC Complete | 06/05/2026 | |||||||
| 784 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 66.696% | 66.696% | Investor | Refinance | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/02/2026 | |||||||||||||
| 785 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of HOA or insurance for XX 07/XX/2026 Resolved - The copy of HOA document resolves the condition. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 798 | xx | 39.16 | $27,769.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.263% | No | Alternative | QC Complete | 07/08/2026 | |||||||
| 787 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 728 | 3.41 | $34,542.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.218% | No | Alternative | QC Complete | 07/02/2026 | |||||||||
| 788 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 745 | xx | 13.58 | $11,889.28 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
49.703% | No | Alternative | QC Complete | 06/23/2026 | ||||||||
| 790 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 819 | xx | 0.08 | $40,386.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.918% | No | Full Documentation | QC Complete | 07/21/2026 | ||||||||
| 792 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 780 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 794 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 794 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type: |
No | Alternative | QC Complete | 07/08/2026 | ||||||||||||
| 796 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 51.724% | 51.724% | Primary | Purchase | 779 | xx | 30.42 | $53,506.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.862% | No | Alternative | QC Complete | 07/08/2026 | ||||||||
| 797 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | xx | 7.25 | $24,133.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.246% | Yes | Alternative | QC Complete | 07/08/2026 | ||||||||
| 799 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for a first time homebuyer living rent free for the last 12 months in the subject. A copy of an exception approval letter is available in the loan file. |
DTI: 19.27% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 68 months of available reserves are more than the guideline requirement of 3 months. |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 701 | xx | 3.5 | $17,520.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.266% | Yes | Alternative | QC Complete | 07/16/2026 | ||||||
| 800 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/15/2026 | ||||||||||||
| 801 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide an updated final 1003 with HOA fee reflecting on the lender loan information page. 6/XX/2026: Resolved: Received updated 1003 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated hazard insurance with mortgage clause "ISAOA/ATIMA" for the lender "XX". 07/XX/2026: Resolved. Received updated HOI |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower has not owned the current business that is being used for qualifying income for the past 2 years. She has been 51% owner since 7/24. A copy of an exception approval letter is available in the loan file. |
FICO: 778 FICO exceeds the guideline requirement of 700. DTI: 23.17% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV equal to the guideline requirement of 80.00%. |
PUD | 05/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 778 | 5.16 | xx | 1.83 | $38,366.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$168,141.91 | 23.172% | Alternative | QC Complete | 06/23/2026 | ||||
| 805 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 807 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 688 | 20 | xx | 7.42 | $6,356.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$130,055.70 | 48.877% | Alternative | QC Complete | 06/16/2026 | |||||||
| 808 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2026 | 64.191% | 64.191% | Primary | Purchase | 805 | xx | 2.58 | $9,416.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.207% | No | Full Documentation | QC Complete | 07/02/2026 | ||||||||
| 810 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 06/23/2026 | ||||||||||||
| 812 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Allowed 8.535% Charged 8.010% Overby +0.525% This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 765 | xx | 3 | $20,693.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.851% | No | Alternative | QC Complete | 06/23/2026 | |||||||
| 813 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 06/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 680 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/08/2026 |