|
Redaction ID
|
Primary Servicer
|
Servicing Fee Percentage
|
Servicing Fee Flat Dollar
|
Servicing Advance Methodology
|
Originator
|
Loan Group
|
Loan Number
|
Amortization Type
|
Lien Position
|
Heloc Indicator
|
Loan Purpose
|
Cash Out Amount
|
Total Origination and Discount Points in Dollars
|
Covered High Cost Loan Indicator
|
Relocation Loan Indicator
|
Broker Indicator
|
Channel
|
Escrow Indicator
|
Senior Loan Amounts
|
Loan Type of Most Senior Lien
|
Hybrid Period of Most Senior Lien in Months
|
Neg Am Limit of Most Senior Lien
|
Junior Mortgage Balance
|
Origination Date of Most Senior Lien
|
Origination Date
|
Original Loan Amount
|
Original Interest Rate
|
Original Amortization Term
|
Original Term to Maturity
|
First Payment Date of Loan
|
Interest Type Indicator
|
Original Interest Only Term
|
Buy Down Period
|
HELOC Draw Period
|
Current Loan Amount
|
Current Interest Rate
|
Current Payment Amount Due
|
Interest Paid Through Date
|
Current Payment Status
|
Index Type
|
ARM Look Back Days
|
Gross Margin
|
ARM Round Flag
|
ARM Rounding Factor
|
Initial Fixed Rate Period
|
Initial Interest Rate Cap Change Up
|
Initial Interest Rate Cap Change Down
|
Subsequent Interest Rate Reset Period
|
Subsequent Interest Rate Change Down
|
Subsequent Interest Rate Change Up
|
Lifetime Maximum Rate Ceiling
|
Lifetime Minimum Rate Floor
|
Negative Amortization Limit
|
Initial Negative Amortization Recast Period
|
Subsequent Negative Amortization Recast Period
|
Initial Fixed Payment Period
|
Subsequent Payment Reset Period
|
Initial Periodic Payment Cap
|
Subsequent Periodic Payment Cap
|
Initial Minimum Payment Reset Period
|
Subsequent Minimum Payment Reset Period
|
Option ARM Indicator
|
Options at Recast
|
Initial Minimum Payment
|
Current Minimum Payment
|
Prepayment Penalty Calculation
|
Prepayment Penalty Type
|
Prepayment Penalty Total Term
|
Prepayment Penalty Hard Term
|
Primary Borrower ID
|
Number of Mortgaged Properties
|
Total Number of Borrowers
|
Self Employment Flag
|
Current Other Monthly Payment
|
Length of Employment Borrower
|
Length of Employment Co Borrower
|
Years in Home
|
FICO Model Used
|
Most Recent FICO Date
|
Primary Wage Earner Original FICO Equifax
|
Primary Wage Earner Original FICO Experian
|
Primary Wage Earner Original FICO Transunion
|
Secondary Wage Earner Original FICO Equifax
|
Secondary Wage Earner Original FICO Experian
|
Secondary Wage Earner Original FICO Transunion
|
Most Recent Primary Borrower FICO
|
Most Recent Co Borrower FICO
|
Most Recent FICO Method
|
Vantagescore Primary Borrower
|
Vantagescore Co Borrower
|
Most Recent Vantagescore Method
|
Vantagescore Date
|
Credit Report Longest Trade Line
|
Credit Report Maximum Trade Line
|
Credit Report Number of Trade Lines
|
Credit Line Usage Ratio
|
Most Recent 12 Month Pay History
|
Months Bankruptcy
|
Months Foreclosure
|
Primary Borrower Wage Income
|
Co Borrower Wage Income
|
Primary Borrower Other Income
|
Co Borrower Other Income
|
All Borrower Wage Income
|
All Borrower Total Income
|
4506T Indicator
|
Borrower Income Verification Level
|
Co Borrower Income Verification
|
Borrower Employment Verification
|
Co Borrower Employment Verification
|
Borrower Asset Verification
|
Co Borrower Asset Verification
|
Liquid Cash Reserves
|
Monthly Debt All Borrowers
|
Originator DTI
|
Fully Indexed Rate
|
Qualification Method
|
Percentage of Down Payment From Borrower Own Funds
|
City
|
State
|
Postal Code
|
Property Type
|
Occupancy
|
Sales Price
|
Original Appraised Property Value
|
Original Property Valuation Type
|
Original Property Valuation Date
|
Original Automated Valuation Model AVM Model Name
|
Original AVM Confidence Score
|
Most Recent Property Value
|
Most Recent Property Valuation Type
|
Most Recent Property Valuation Date
|
Most Recent AVM Model Name
|
Most Recent AVM Confidence Score
|
Original CLTV
|
Original LTV
|
Original Pledged Assets
|
Mortgage Insurance Company Name
|
Mortgage Insurance Percent
|
MI Lender or Borrower Paid
|
Pool Insurance Co Name
|
Pool Insurance Stop Loss Percent
|
MI Certificate Number
|
Updated DTI Front End
|
Updated DTI Back End
|
Modification Effective Payment Date
|
Total Capitalized Amount
|
Total Deferred Amount
|
Pre Modification Interest Note Rate
|
Pre Modification P&I Payment
|
Pre Modification Initial Interest Rate Change Downward Cap
|
Pre Modification Subsequent Interest Rate Cap
|
Pre Modification Next Interest Rate Change Date
|
Pre Modification IO Term
|
Forgiven Principal Amount
|
Forgiven Interest Amount
|
Number of Modifications
|
Real Estate Interest
|
Community Ownership Structure
|
Year of Manufacture
|
HUD Code Compliance Indicator Y/N
|
Gross Manufacturers Invoice Price
|
LTI Loan to Invoice Gross
|
Net Manufacturers Invoice Price
|
LTI Net
|
Manufacturer Name
|
Model Name
|
Down Payment Source
|
Community Related Party Lender Y/N
|
Defined Underwriting Criteria Y/N
|
Chattel Indicator
|
|
1199877
|
9999999
|
0.000000
|
99
|
1006023
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
1395.00
|
0
|
0
|
0
|
4
|
4
|
XXXX
|
XXXX
|
0.061250
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.061250
|
14248.47
|
19010101
|
0
|
0
|
999999999
|
1
|
1
|
1
|
2874.64
|
16.82
|
1
|
20260311
|
764
|
789
|
736
|
764
|
3
|
152
|
84484.00
|
4
|
0.042000
|
XXXXXXXXXXXX
|
60566.00
|
.00
|
60566.00
|
60566.00
|
1
|
4
|
3
|
4
|
590998.65
|
19759.11
|
0.326200
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.700000
|
0.700000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1201198
|
9999999
|
0.000000
|
99
|
1014894
|
UNK
|
XXXX
|
1
|
1
|
0
|
4
|
.00
|
1595.00
|
0
|
0
|
0
|
4
|
4
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
5880.10
|
19010101
|
0
|
0
|
999999999
|
2
|
2
|
0
|
3287.99
|
16.91
|
.00
|
1.75
|
1
|
20260417
|
811
|
824
|
808
|
789
|
795
|
789
|
811
|
789
|
3
|
309
|
75000.00
|
4
|
0.105000
|
XXXXXXXXXXXX
|
70833.34
|
.00
|
.00
|
.00
|
70833.34
|
70833.34
|
0
|
5
|
1
|
3
|
1
|
4
|
4
|
464371.20
|
14065.39
|
0.198600
|
1
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.419800
|
0.419800
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203658
|
9999999
|
0.000000
|
99
|
1008296
|
UNK
|
XXXX
|
1
|
1
|
0
|
4
|
.00
|
3002.88
|
0
|
0
|
0
|
4
|
0
|
XXXX
|
XXXX
|
0.066250
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.066250
|
6300.66
|
19010101
|
0
|
0
|
999999999
|
1
|
1
|
0
|
1336.76
|
19.45
|
2.00
|
1
|
20260422
|
728
|
739
|
705
|
728
|
3
|
259
|
36500.00
|
7
|
0.726000
|
XXXXXXXXXXXX
|
26443.90
|
.00
|
26443.90
|
26443.90
|
0
|
5
|
3
|
3
|
245450.73
|
10830.42
|
0.409600
|
1
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.787200
|
0.787200
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203723
|
9999999
|
0.000000
|
99
|
1014894
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
1595.00
|
0
|
0
|
0
|
1
|
4
|
XXXX
|
XXXX
|
0.061250
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.061250
|
9114.16
|
19010101
|
0
|
0
|
999999999
|
1
|
1
|
0
|
2575.99
|
5.13
|
1
|
20260505
|
792
|
762
|
794
|
792
|
3
|
439
|
65500.00
|
7
|
0.160000
|
XXXXXXXXXXXX
|
87062.67
|
.00
|
87062.67
|
87062.67
|
0
|
4
|
3
|
4
|
1066418.07
|
14136.15
|
0.162400
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.566000
|
0.566000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208350
|
9999999
|
0.000000
|
99
|
1015340
|
UNK
|
XXXX
|
1
|
1
|
0
|
4
|
.00
|
.00
|
0
|
0
|
0
|
4
|
1
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
6508.13
|
19010101
|
0
|
0
|
999999999
|
1
|
2
|
0
|
2613.32
|
7.54
|
.00
|
2.25
|
1
|
20260501
|
789
|
801
|
779
|
774
|
801
|
778
|
789
|
778
|
3
|
123
|
42000.00
|
2
|
0.218000
|
XXXXXXXXXXXX
|
24680.96
|
.00
|
.00
|
.00
|
24680.96
|
24680.96
|
0
|
5
|
1
|
3
|
1
|
3
|
1
|
1921518.35
|
9256.45
|
0.375000
|
1
|
XXXX
|
XX
|
XXXX
|
3
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.755000
|
0.755000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208822
|
9999999
|
0.000000
|
99
|
1002295
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
950.00
|
0
|
0
|
0
|
5
|
4
|
XXXX
|
XXXX
|
0.063750
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.063750
|
6550.63
|
19010101
|
0
|
0
|
999999999
|
1
|
2
|
0
|
1087.07
|
2.95
|
13.87
|
1
|
20260507
|
795
|
803
|
790
|
783
|
805
|
792
|
795
|
792
|
3
|
284
|
18000.00
|
2
|
0.064000
|
XXXXXXXXXXXX
|
10766.75
|
10350.50
|
.00
|
.00
|
21117.25
|
21117.25
|
0
|
5
|
4
|
3
|
3
|
4
|
1
|
235548.92
|
7777.70
|
0.368300
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.750000
|
0.750000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1211155
|
9999999
|
0.000000
|
99
|
1007191
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
1690.00
|
0
|
0
|
0
|
4
|
4
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
11329.20
|
19010101
|
0
|
0
|
999999999
|
1
|
2
|
0
|
2937.88
|
.00
|
.37
|
1
|
20260414
|
775
|
774
|
782
|
810
|
816
|
807
|
775
|
810
|
3
|
130
|
60000.00
|
1
|
0.016000
|
XXXXXXXXXXXX
|
.00
|
40961.94
|
.00
|
.00
|
40961.94
|
40961.94
|
0
|
1
|
3
|
1
|
3
|
4
|
4
|
709723.46
|
14332.08
|
0.349900
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.800000
|
0.800000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212694
|
9999999
|
0.000000
|
99
|
1009841
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
1620.00
|
0
|
0
|
0
|
5
|
4
|
XXXX
|
XXXX
|
0.065000
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.065000
|
7579.76
|
19010101
|
0
|
0
|
999999999
|
2
|
1
|
0
|
1320.84
|
2.45
|
1
|
20260316
|
795
|
822
|
775
|
795
|
3
|
253
|
42800.00
|
8
|
0.024000
|
XXXXXXXXXXXX
|
42916.66
|
.00
|
42916.66
|
42916.66
|
0
|
4
|
3
|
4
|
480945.93
|
17022.98
|
0.396700
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
7
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.800000
|
0.800000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212805
|
9999999
|
0.000000
|
99
|
1000555
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
5042.50
|
0
|
0
|
0
|
5
|
4
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
7234.68
|
19010101
|
0
|
0
|
999999999
|
2
|
2
|
1
|
1695.50
|
8.25
|
12.25
|
1
|
20260515
|
809
|
776
|
781
|
750
|
761
|
728
|
781
|
750
|
3
|
228
|
40000.00
|
10
|
0.038000
|
XXXXXXXXXXXX
|
13584.46
|
13740.26
|
.00
|
9167.39
|
27324.72
|
36492.11
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
440935.40
|
15072.76
|
0.413000
|
1
|
0.995640
|
XXXX
|
XX
|
XXXX
|
7
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.516500
|
0.516500
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212808
|
9999999
|
0.000000
|
99
|
1002962
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
3366.00
|
0
|
0
|
0
|
4
|
0
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
8817.07
|
19010101
|
0
|
0
|
999999999
|
1
|
1
|
0
|
1564.53
|
.00
|
1
|
20260504
|
795
|
815
|
770
|
795
|
3
|
159
|
20000.00
|
3
|
0.169000
|
XXXXXXXXXXXX
|
.00
|
35688.04
|
.00
|
35688.04
|
0
|
3
|
1
|
4
|
2224292.58
|
14748.01
|
0.413200
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
7
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.800000
|
0.800000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212984
|
9999999
|
0.000000
|
99
|
1015340
|
UNK
|
XXXX
|
1
|
1
|
0
|
4
|
675.00
|
.00
|
0
|
0
|
0
|
4
|
0
|
XXXX
|
XXXX
|
0.063750
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.063750
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|
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|
1
|
1
|
0
|
4
|
6590.69
|
10250.00
|
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|
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|
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|
4
|
2
|
XXXX
|
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|
0.059900
|
360
|
360
|
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|
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|
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|
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|
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|
0.059900
|
12277.61
|
19010101
|
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|
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|
999999999
|
1
|
2
|
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|
533.92
|
13.47
|
10.51
|
19.17
|
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|
20260415
|
805
|
808
|
801
|
791
|
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|
801
|
805
|
801
|
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|
407
|
30000.00
|
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|
0.039000
|
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|
-4752.00
|
16378.27
|
29168.49
|
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|
11626.27
|
40794.76
|
1
|
3
|
3
|
3
|
3
|
4
|
4
|
1848077.92
|
15188.58
|
0.372300
|
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|
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|
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|
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|
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|
1
|
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|
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|
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|
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|
0.431600
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|
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|
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|
1228264
|
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|
0.000000
|
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|
1015340
|
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|
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|
1
|
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|
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|
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|
1114.28
|
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|
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|
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|
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|
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|
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|
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|
0.058750
|
360
|
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|
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|
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|
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|
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|
0.058750
|
6293.96
|
19010101
|
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|
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|
999999999
|
1
|
1
|
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|
2082.22
|
28.49
|
3.00
|
1
|
20260427
|
787
|
787
|
809
|
787
|
3
|
230
|
25426.00
|
14
|
0.015000
|
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|
16821.16
|
5931.68
|
16821.16
|
22752.84
|
0
|
4
|
3
|
4
|
335056.93
|
9660.18
|
0.424600
|
1
|
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|
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|
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|
7
|
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|
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|
XXXX
|
3
|
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|
0.600200
|
0.557100
|
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|
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|
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|
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|
1229347
|
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|
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|
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|
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|
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|
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|
1
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
0.063750
|
360
|
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|
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|
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|
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|
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|
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|
0.063750
|
9046.11
|
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|
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|
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|
999999999
|
2
|
2
|
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|
1718.03
|
13.09
|
2.24
|
1
|
20260428
|
795
|
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|
810
|
752
|
740
|
769
|
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|
752
|
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|
155
|
37500.00
|
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|
0.220000
|
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|
32473.33
|
19332.50
|
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|
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|
51805.83
|
51805.83
|
0
|
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|
4
|
3
|
3
|
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|
4
|
270142.23
|
17351.24
|
0.334900
|
1
|
1.000000
|
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|
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|
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|
7
|
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|
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|
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|
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|
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|
0.743600
|
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|
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|
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|
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|
1230622
|
9999999
|
0.000000
|
99
|
1014425
|
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|
XXXX
|
1
|
1
|
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|
7
|
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|
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|
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|
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|
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|
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|
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|
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|
0.061250
|
360
|
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|
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|
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|
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|
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|
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|
0.061250
|
11620.55
|
19010101
|
0
|
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|
999999999
|
3
|
2
|
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|
2386.54
|
4.00
|
21.50
|
1
|
20260611
|
794
|
810
|
812
|
793
|
826
|
805
|
810
|
805
|
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|
88
|
44600.00
|
2
|
0.131000
|
XXXXXXXXXXXX
|
19758.33
|
16378.31
|
15826.52
|
.00
|
36136.64
|
51963.16
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
332171.83
|
23743.22
|
0.456900
|
1
|
1.000000
|
XXXX
|
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|
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|
1
|
1
|
XXXX
|
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|
3
|
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|
0.750000
|
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|
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|
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|
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|
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|
1232222
|
9999999
|
0.000000
|
99
|
1014894
|
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|
XXXX
|
1
|
1
|
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|
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|
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|
3343.00
|
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|
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|
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|
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|
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|
XXXX
|
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|
0.065000
|
360
|
360
|
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|
2
|
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|
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|
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|
0.065000
|
5524.27
|
19010101
|
0
|
0
|
999999999
|
1
|
2
|
0
|
2400.70
|
7.47
|
15.81
|
2.67
|
1
|
20260512
|
789
|
825
|
781
|
792
|
794
|
800
|
789
|
794
|
3
|
160
|
28611.00
|
8
|
0.041000
|
XXXXXXXXXXXX
|
17461.60
|
23334.13
|
.00
|
.00
|
40795.73
|
40795.73
|
0
|
4
|
4
|
3
|
3
|
4
|
1
|
813791.69
|
8770.97
|
0.215000
|
1
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.624300
|
0.624300
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1235033
|
9999999
|
0.000000
|
99
|
1005552
|
UNK
|
XXXX
|
1
|
1
|
0
|
7
|
.00
|
1895.00
|
0
|
0
|
0
|
1
|
4
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
9161.87
|
19010101
|
0
|
0
|
999999999
|
2
|
2
|
0
|
2073.84
|
.00
|
.00
|
1
|
20260612
|
760
|
837
|
801
|
805
|
829
|
794
|
801
|
805
|
3
|
417
|
17600.00
|
3
|
0.043000
|
XXXXXXXXXXXX
|
.00
|
.00
|
30000.00
|
.00
|
.00
|
30000.00
|
0
|
1
|
3
|
1
|
3
|
4
|
4
|
2687548.10
|
12682.78
|
0.422800
|
1
|
1.000000
|
XXXX
|
XX
|
XXXX
|
1
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.800000
|
0.800000
|
.00
|
0
|
0
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1236216
|
9999999
|
0.000000
|
99
|
1015340
|
UNK
|
XXXX
|
1
|
1
|
0
|
4
|
4483.11
|
.00
|
0
|
0
|
0
|
4
|
4
|
XXXX
|
XXXX
|
0.062500
|
360
|
360
|
XXXX
|
2
|
0
|
0
|
XXXX
|
0.062500
|
5652.28
|
19010101
|
0
|
0
|
999999999
|
2
|
2
|
0
|
2290.87
|
18.17
|
5.16
|
1.00
|
1
|
20260527
|
800
|
778
|
800
|
739
|
760
|
764
|
800
|
760
|
3
|
250
|
48000.00
|
1
|
0.156000
|
XXXXXXXXXXXX
|
17007.30
|
1731.06
|
.00
|
716.26
|
18738.36
|
19454.62
|
0
|
5
|
5
|
3
|
3
|
4
|
1
|
166245.52
|
8178.15
|
0.420400
|
1
|
XXXX
|
XX
|
XXXX
|
3
|
1
|
XXXX
|
XXXX
|
3
|
XXXX
|
0.717200
|
0.717200
|
.00
|
0
|
0
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Note Date
|
Original Loan Amount
|
Sales Price
|
Total Adjusted Prior Purchase Price
|
Primary Appraised Value
|
Primary Appraisal Date
|
Primary Appraisal Type
|
Primary Appraisal Company
|
Primary Appraiser Name
|
Primary Appraiser License Number
|
Value for LTV
|
LTV
|
CLTV
|
Loan Reviewed Property Value
|
Loan Reviewed Variance Amount
|
Loan Reviewed Variance Percent
|
Loan Reviewed Product Type
|
Loan Post-Close Reviewed Property Value
|
Loan Post-Close Reviewed Variance Amount
|
Loan Post-Close Reviewed Variance Percent
|
Loan Post-Close Reviewed Product Type
|
Second Appraisal Value
|
Second Appraisal Variance Amount
|
Second Appraisal Variance Percent
|
Second Appraisal Date
|
Second Appraisal Type
|
AVM Appraised Value
|
AVM Variance Amount
|
AVM Variance Percent
|
AVM Confidence Score
|
FSD Score
|
AVM Company Name
|
AVM Product Name
|
AVM Appraisal Date
|
Desk Review Appraised Value
|
Desk Review Variance Amount
|
Desk Review Variance Percent
|
Desk Review Company
|
Desk Review Risk Score
|
Desk Review Appraisal Date
|
Desk Top Appraised Value
|
Desk Top Variance Amount
|
Desk Top Variance Percent
|
Desk Top Company
|
Desk Top Appraisal Date
|
BPO Appraised Value
|
BPO Variance Amount
|
BPO Variance Percent
|
BPO Company
|
BPO Appraisal Date
|
Field Review Appraised Value
|
Field Review Variance Amount
|
Field Review Variance Percent
|
Field Review Company
|
Field Review Appraisal Date
|
2055 Appraised Value
|
2055 Variance Amount
|
2055 Variance Percent
|
2055 Company
|
2055 Appraisal Date
|
AVE/CMA Appraised Value
|
AVE/CMA Variance Amount
|
AVE/CMA Variance Percent
|
AVE/CMA Company
|
AVE/CMA Appraisal Date
|
Completion Report (1004D) Date
|
Other Appraised Value
|
Other Variance Amount
|
Other Variance Percent
|
Other Appraisal Date
|
Updated Appraised Value
|
Updated Variance Amount
|
Updated Variance Percent
|
Updated Company
|
Updated Appraisal Date
|
Updated Appraisal Type
|
Loan Collateral Advisor Risk Score
|
Loan Collateral Advisor Risk Score Date
|
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
|
Collateral Underwriter Risk Score
|
Collateral Underwriter Risk Score Date
|
|
1199877
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
70.0
|
70.0
|
XXXX
|
XXXX
|
.0746
|
1004 URAR
|
XXXX
|
XXXX
|
.0746
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
5
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1201198
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
41.98
|
41.98
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
XXXX
|
1
|
XXXX
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203658
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
78.72
|
78.72
|
XXXX
|
XXXX
|
.0000
|
Loan Collateral Advisor (LCA)
|
1.5
|
XXXX
|
Eligible
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203723
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
56.6
|
56.6
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208350
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1073 Individual Condo Report
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
75.5
|
75.5
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208822
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
75.0
|
75.0
|
XXXX
|
XXXX
|
-.0879
|
Desk Review
|
XXXX
|
XXXX
|
-.0879
|
XXXX
|
Moderate
|
XXXX
|
5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1211155
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
4.2
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212694
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212805
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
51.65
|
51.65
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
2.6
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212808
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212984
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1073 Individual Condo Report
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
79.91
|
79.91
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.3
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1214616
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
61.54
|
61.54
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1214874
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
76.0
|
76.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
3.5
|
XXXX
|
Not Eligible
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1215336
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
76.81
|
76.81
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1215354
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
2.1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216200
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
2000 One Unit Appraisal Field Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
XXXX
|
2.2
|
XXXX
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216288
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Reasonable
|
XXXX
|
4.5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216989
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
3.1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1217891
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1218316
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
1.6
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1218720
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
2.5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219435
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
61.03
|
61.03
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219436
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
66.0
|
66.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
3.5
|
XXXX
|
Not Eligible
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219804
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1220470
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
75.0
|
75.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222307
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
71.43
|
71.43
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222427
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.6
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222743
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
57.7
|
57.7
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
3.5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222951
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1223964
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1224128
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
78.26
|
78.26
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
4
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
65.0
|
65.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Moderate
|
XXXX
|
5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226236
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
60.34
|
60.34
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226300
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
55.54
|
55.54
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
XXXX
|
.0000
|
XXXX
|
Low
|
XXXX
|
1.7
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226432
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
70.0
|
70.0
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1228220
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
43.16
|
43.16
|
XXXX
|
XXXX
|
-.1364
|
1004 URAR
|
XXXX
|
XXXX
|
-.1364
|
XXXX
|
1004 URAR
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1228264
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
55.71
|
60.02
|
XXXX
|
XXXX
|
.0000
|
Loan Collateral Advisor (LCA)
|
1
|
XXXX
|
Eligible
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1229347
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
74.36
|
74.36
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
3
|
Not Eligible
|
1.4
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1230622
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
75.0
|
75.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
0.0
|
.0000
|
XXXX
|
Low
|
XXXX
|
3.5
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1232222
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
62.43
|
62.43
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1235033
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1004 URAR
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
80.0
|
80.0
|
XXXX
|
XXXX
|
.0000
|
Desk Review
|
XXXX
|
0.0
|
.0000
|
XXXX
|
Low
|
XXXX
|
3
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1236216
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1073 Individual Condo Report
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
71.72
|
71.72
|
XXXX
|
XXXX
|
.0000
|
Collateral Underwriter (CU)
|
1.9
|
XXXX
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Loan Program
|
Guideline Product Name
|
Originator Name
|
Originating Entity CDFI Flag
|
Guideline Name
|
Guideline Author
|
Guideline Date
|
Guideline Version
|
Application Date
|
TILA Status
|
TRID
|
GSE
|
Verified Safe Harbor Flag
|
Verified Safe Harbor Reference Document
|
QM Regulation Failures
|
ATR QM Total Points and Fees Audit
|
Loan Regulation Benchmark Date
|
Benchmark Rate
|
AUS Decision System
|
Rating Result
|
Property Inspection Waiver (PIW)
|
Calculated APR
|
HUD 1 Page 1 Credits Total
|
Verified Qualifying Rate
|
Originator Qualifying Rate
|
Qualifying P&I
|
Default Interest Rate Present
|
Default Interest Rate
|
Annual Property Tax
|
Monthly Property Tax
|
Annual Insurance Costs
|
Monthly Insurance Cost
|
Annual HOA Costs
|
Monthly HOA Costs
|
Monthly Other Costs
|
PITIA
|
Residual Income
|
HOA Questionnaire Flag
|
HOA Name
|
HOA Address State
|
HOA Fee Amount
|
HOA Next Due Date
|
HOA Payment Frequency
|
Originator DTI
|
TPR Verified DTI
|
QM DTI
|
Is Borrower Non Occupant
|
Is Co Borrower Non Occupant
|
Co Borrower 2 Asset Verification Level
|
Co Borrower 3 Asset Verification Level
|
Co Borrower 2 Income Verification Level
|
Co Borrower 3 Income Verification Level
|
Co Borrower 2 Employment Verification Level
|
Co Borrower 3 Employment Verification Level
|
Borrower Employment Indicator
|
Co Borrower Employment Indicator
|
Co Borrower 2 Employment Indicator
|
Co Borrower 3 Employment Indicator
|
Co Borrower 2 Length of Employment
|
Co Borrower 3 Length of Employment
|
Document Level
|
Borrower Years of W2s/1099
|
CoBorrower Years of W2s/1099
|
Borrower Months of Paystubs Verified
|
Co Borrower Months of Paystubs Verified
|
Borrower Employment Gap Letter
|
Borrower Months of Employment Gap
|
Co Borrower Employment Gap Letter
|
Co Borrower Months of Employment Gap
|
Borrower Years of Personal Tax Returns
|
Borrower Years of Business Tax Returns
|
CoBorrower Years of Personal Tax Returns
|
CoBorrower Years of Business Tax Returns
|
Years of 4506T
|
Years of Tax Transcripts
|
Borrower Award/Offer Letter
|
Co Borrower Award/Offer Letter
|
Asset Depletion Flag
|
Partial Asset Depletion Flag
|
Asset Depletion Months Amortized
|
Asset Utilization Flag (No DTI)
|
Borrower Bank Statements Flag
|
Borrower Bank Statement Summary/Lender Worksheet
|
Borrower Number of Personal Bank Statements
|
Borrower Number of Business Bank Statements
|
CoBorrower Bank Statements Flag
|
Co Borrower Bank Statement Summary/Lender Worksheet
|
CoBorrower Number of Personal Bank Statements
|
CoBorrower Number of Business Bank Statements
|
Percent of Income From Statements
|
Borrower Business Ownership %
|
CoBorrower Business Ownership %
|
Bespoke Eligible Assets
|
Borrower P&L Type
|
Borrower Number of Months P&L
|
Borrower P&L Prepared By
|
CoBorrower P&L Type
|
CoBorrower P&L Prepared By
|
CoBorrower Number of Months P&L
|
Borrower CPA Letter Flag
|
# of Months CPA verified income
|
CoBorrower CPA Letter Flag
|
CoBorrower # of Months CPA verified income
|
Borrower WVOE Flag
|
Borrower # of Months Employment Validated WVOE
|
Borrower # of Months Income Validated WVOE
|
Borrower WVOE Form Type
|
CoBorrower WVOE Flag
|
CoBorrower # of Months WVOE
|
CoBorrower # of Months Income Validated WVOE
|
CoBorrower WVOE Form Type
|
DSCR Flag
|
TPR DSCR
|
Originator DSCR
|
Expense Letter
|
Income Doc Detail
|
Tax Return Doc Details
|
Property Address
|
Property City
|
Property State
|
Property Zip
|
Property County
|
Original Credit Report Date
|
Borrower 1 Credit Report Date
|
Borrower 2 Credit Report Date
|
Borrower 3 Credit Report Date
|
Borrower 4 Credit Report Date
|
Qualifying Credit Score
|
Third Wage Earner Original FICO Equifax
|
Third Wage Earner Original FICO Experian
|
Third Wage Earner Original FICO Transunion
|
Fourth Wage Earner Original FICO Equifax
|
Fourth Wage Earner Original FICO Experian
|
Fourth Wage Earner Original FICO Transunion
|
Most Recent Co Borrower 2 FICO
|
Most Recent Co Borrower 3 FICO
|
Updated Credit Report Flag
|
Updated Credit Report Date
|
Updated FICO Method
|
Primary Wage Earner Updated FICO Equifax
|
Primary Wage Earner Updated FICO Experian
|
Primary Wage Earner Updated FICO Transunion
|
Secondary Wage Earner Updated FICO Equifax
|
Secondary Wage Earner Updated FICO Experian
|
Secondary Wage Earner Updated FICO Transunion
|
Third Wage Earner Updated FICO Equifax
|
Third Wage Earner Updated FICO Experian
|
Third Wage Earner Updated FICO Transunion
|
Fourth Wage Earner Updated FICO Equifax
|
Fourth Wage Earner Updated FICO Experian
|
Fourth Wage Earner Updated FICO Transunion
|
Updated Primary Borrower FICO
|
Updated Co Borrower FICO
|
Updated Co Borrower 2 FICO
|
Updated Co Borrower 3 FICO
|
Updated Qualifying FICO
|
Most Recent Bankruptcy Type
|
Most Recent Bankruptcy Filing Date
|
Most Recent Bankruptcy Discharge Date
|
Number of Bankruptcy Events
|
Months Bankruptcy 7 11
|
Months Bankruptcy 13
|
Most Recent Deed in Lieu Date
|
Number of Deed in Lieu Events
|
Months Deed in Lieu
|
Most Recent Short Sale Date
|
Number of Short Sale Events
|
Months Short Sale (or Pre FC)
|
Most Recent Foreclosure Date
|
Number of Foreclosure Events
|
Months Foreclosure
|
Prior Mortgage/Rent Lates 30d in 0-12m
|
Prior Mortgage/Rent Lates 60d in 0-12m
|
Prior Mortgage/Rent Lates 90d in 0-12m
|
Prior Mortgage/Rent Lates 120d+ in 0-12m
|
Prior Mortgage/Rent Lates 30d in 13-24m
|
Prior Mortgage/Rent Lates 60d in 13-24m
|
Prior Mortgage/Rent Lates 90d in 13-24m
|
Prior Mortgage/Rent Lates 120d+ in 13-24m
|
Prior Mortgage/Rent Late 30d in 24m
|
Prior Mortgage/Rent Late 60d in 24m
|
Prior Mortgage/Rent Late 90d in 24m
|
Has ACH
|
Is Equity Shared Loan
|
Subordinate Lien Type
|
Subordinate Lien Max Draw Amount (HELOC)
|
Subordinate Lien 2 Type
|
Subordinate Lien 2 Max Draw Amount (HELOC)
|
Subordinate Lien 3 Type
|
Subordinate Lien 3 Max Draw Amount (HELOC)
|
Is Shared Appreciation Mortgage
|
ITIN Flag
|
Borrower Originator Citizenship Designation
|
Borrower Verified Citizenship Designation
|
Borrower Individual Tax Identification Number (ITIN)?
|
Borrower Photo Identification Type
|
Borrower Photo Identification Other Type
|
Borrower Photo ID State of Issuance
|
Borrower Photo ID Country of Issuance
|
Borrower Photo ID Expiration Date
|
Borrower Passport Country of Origin
|
Borrower Passport Expiration Date
|
Borrower Non-US Citizen Identification Document
|
Borrower Date of Resident Since/Valid Date
|
Borrower Non-US Document Expiration Date
|
Co Borrower Originator Citizenship Designation
|
Co Borrower Verified Citizenship Designation
|
Co Borrower Individual Tax Identification Number (ITIN)?
|
Co Borrower Photo Identification Type
|
Co Borrower Photo Identification Other Type
|
Co Borrower Photo ID State of Issuance
|
Co Borrower Photo ID Country of Issuance
|
Co Borrower Photo ID Expiration Date
|
Co Borrower Passport Country of Origin
|
Co Borrower Passport Expiration Date
|
Co Borrower Non-US Citizen Identification Document
|
Co Borrower Date of Resident Since/Valid Date
|
Co Borrower Non-US Document Expiration Date
|
Co Borrower 2 Originator Citizenship Designation
|
Co Borrower 2 Verified Citizenship Designation
|
Co Borrower 2 Individual Tax Identification Number (ITIN)?
|
Co Borrower 2 Photo Identification Type
|
Co Borrower 2 Photo Identification Other Type
|
Co Borrower 2 Photo ID State of Issuance
|
Co Borrower 2 Photo ID Country of Issuance
|
Co Borrower 2 Photo ID Expiration Date
|
Co Borrower 2 Passport Country of Origin
|
Co Borrower 2 Passport Expiration Date
|
Co Borrower 2 Non-US Citizen Identification Document
|
Co Borrower 2 Date of Resident Since/Valid Date
|
Co Borrower 2 Non-US Document Expiration Date
|
Co Borrower 3 Originator Citizenship Designation
|
Co Borrower 3 Verified Citizenship Designation
|
Co Borrower 3 Individual Tax Identification Number (ITIN)?
|
Co Borrower 3 Photo Identification Type
|
Co Borrower 3 Photo Identification Other Type
|
Co Borrower 3 Photo ID State of Issuance
|
Co Borrower 3 Photo ID Country of Issuance
|
Co Borrower 3 Photo ID Expiration Date
|
Co Borrower 3 Passport Country of Origin
|
Co Borrower 3 Passport Expiration Date
|
Co Borrower 3 Non-US Citizen Identification Document
|
Co Borrower 3 Date of Resident Since/Valid Date
|
Co Borrower 3 Non-US Document Expiration Date
|
Property Rights
|
Leasehold Lease Expiration Date
|
Buydown Flag
|
Assumable Mortgage Flag
|
Foreign National Alternative Credit Documentation
|
Liquid / Cash Reserves (ASF)
|
Months Liquid Reserves
|
Total Assets Available for Reserves
|
Months Reserves
|
Blanket Mortgage Flag
|
Qualifying HCLTV
|
Condo Warrantability Flag
|
E-Note Flag
|
O&E in lieu of Title Insurance
|
Business Purpose Flag
|
Borrower Note Executed As
|
Co Borrower Note Executed As
|
Co Borrower 2 Note Executed As
|
Co Borrower 3 Note Executed As
|
Borrower 1 Trust Name
|
Borrower 2 Trust Name
|
Borrower 3 Trust Name
|
Borrower 4 Trust Name
|
Delayed Financing Flag
|
Title Company Name
|
Settlement Agent Company
|
Neighborhood Location
|
Gift Funds
|
Gift Funds Percentage of Total Funds Required
|
|
1199877
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1395
|
04/20/2026
|
6.300%
|
DU
|
Accept Ineligible
|
No
|
6.133%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$16,348.56
|
$1,362.38
|
$0.00
|
$0.00
|
$0.00
|
$17,123.11
|
$40,806.89
|
N/A
|
$0.00
|
0.00%
|
32.62%
|
32.62%
|
No
|
Self-Employed
|
1YR Full Doc
|
0
|
NA
|
N/A
|
0
|
2
|
1
|
0
|
2
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
48.06%
|
Stocks/Bonds,Stocks/Bonds,Proceeds from Sale
|
Borrower Prepared
|
4
|
Borrower
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SECorporation, SECorporation - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), YTD Profit And
Loss Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024
|
Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 2 YRS IRS Transcripts Verified - 2026, 2025,
2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/11/2026
|
03/11/2026
|
764
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
34.5
|
XXXX
|
34.5
|
No
|
70.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1201198
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
1595
|
04/20/2026
|
6.300%
|
DU
|
Approve Eligible
|
No
|
6.273%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,321.96
|
$276.83
|
$0.00
|
$0.00
|
$0.00
|
$9,168.09
|
$56,767.95
|
N/A
|
$0.00
|
0.00%
|
19.86%
|
19.86%
|
No
|
No
|
Employed
|
Not Employed
|
2YR Full Doc
|
2
|
0
|
1 Month
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified -
2026, 2025, 2024 || Co Borrower - Other REO Net Rental Income(Loss)
|
Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/17/2026
|
04/17/2026
|
04/17/2026
|
789
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
50.7
|
XXXX
|
50.7
|
No
|
41.98
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203658
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
1950
|
06/01/2026
|
6.520%
|
LP
|
Accept Eligible
|
No
|
6.660%
|
6.625%
|
6.625%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,551.36
|
$129.28
|
$0.00
|
$0.00
|
$0.00
|
$7,637.42
|
$15,613.48
|
N/A
|
$0.00
|
0.00%
|
40.96%
|
40.96%
|
No
|
Employed
|
2YR Full Doc
|
2
|
2+ Months
|
N/A
|
0
|
0
|
0
|
2
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/22/2026
|
04/22/2026
|
728
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
32.1
|
XXXX
|
32.1
|
No
|
78.72
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1203723
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 2 - Underwritten to Subsequent GSE Guidelines Substantially Similar to June 2020 GSE Guidelines
|
N/A
|
1595
|
05/04/2026
|
6.320%
|
DU
|
Approve Ineligible
|
No
|
6.141%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$8,449.80
|
$704.15
|
$0.00
|
$0.00
|
$0.00
|
$11,690.15
|
$72,926.52
|
N/A
|
$0.00
|
0.00%
|
16.24%
|
16.24%
|
No
|
Employed
|
1YR Full Doc
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
1
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds,Proceeds from Sale
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
61
|
27
|
Work Number
|
0
|
No
|
0
|
Borrower - Wage - Written VOE Verified, 1 YR Executed 4506T Verified - 2025, 2026
|
Borrower - 1 YR Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/05/2026
|
05/05/2026
|
792
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
91.2
|
XXXX
|
91.2
|
No
|
56.6
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208350
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 2 - Underwritten to Subsequent GSE Guidelines Substantially Similar to June 2020 GSE Guidelines
|
N/A
|
0
|
06/01/2026
|
6.520%
|
DU
|
Approve Eligible
|
No
|
6.250%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$840.96
|
$70.08
|
$10,950.36
|
$912.53
|
$0.00
|
$9,121.45
|
$15,424.51
|
No
|
XXXX
|
XX
|
$912.53
|
Monthly
|
0.00%
|
37.50%
|
37.50%
|
No
|
No
|
Employed
|
Not Employed
|
2YR Full Doc
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
89
|
28
|
Work Number
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Wage, Bonus - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/01/2026
|
05/01/2026
|
05/01/2026
|
778
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
210.7
|
XXXX
|
210.7
|
No
|
75.5
|
Yes
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1208822
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
950
|
05/04/2026
|
6.320%
|
Other
|
Approve Ineligible
|
No
|
6.389%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$5,174.76
|
$431.23
|
$0.00
|
$0.00
|
$0.00
|
$7,637.70
|
$13,339.55
|
N/A
|
$0.00
|
0.00%
|
36.83%
|
36.83%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
0
|
1
|
NA
|
Less than 1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Proceeds from Sale
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
2
|
28
|
FNMA 1005
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Wage, Overtime - Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099
Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 1 YR Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/07/2026
|
05/07/2026
|
05/07/2026
|
792
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
Yes
|
N/A
|
XXXX
|
30.8
|
XXXX
|
30.8
|
No
|
75.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Urban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1211155
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1690
|
05/25/2026
|
6.600%
|
DU
|
Approve Ineligible
|
No
|
6.281%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$8,244.00
|
$687.00
|
$0.00
|
$0.00
|
$0.00
|
$14,267.08
|
$26,629.86
|
N/A
|
$0.00
|
0.00%
|
34.99%
|
34.99%
|
No
|
No
|
Not Employed
|
Employed
|
2YR Full Doc
|
0
|
2
|
NA
|
1 Month
|
N/A
|
0
|
Yes
|
6
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
Yes
|
38
|
16
|
FNMA 1005
|
No
|
0
|
N/A
|
Borrower - 2 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified,
2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/14/2026
|
04/14/2026
|
04/14/2026
|
775
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
49.8
|
XXXX
|
49.8
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212694
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
1620
|
05/25/2026
|
6.600%
|
Manual Underwriting
|
Accept Ineligible
|
No
|
6.530%
|
6.500%
|
6.500%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,451.04
|
$120.92
|
$300.00
|
$25.00
|
$0.00
|
$8,900.60
|
$25,893.68
|
N/A
|
XXXX
|
XX
|
$25.00
|
Annually
|
0.00%
|
39.67%
|
39.67%
|
No
|
Employed
|
1YR Full Doc
|
1
|
Less than 1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
28
|
28
|
Work Number
|
0
|
No
|
0
|
Borrower - Other REO Net Rental Income(Loss), Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3
YRS Executed 4506T Verified - 2025, 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/16/2026
|
03/16/2026
|
795
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
54.0
|
XXXX
|
54.0
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212805
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/06/2026
|
7
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
5042.5
|
05/11/2026
|
6.410%
|
Manual Underwriting
|
Approve Ineligible
|
No
|
6.312%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,992.00
|
$166.00
|
$990.00
|
$82.50
|
$0.00
|
$8,930.18
|
$21,419.35
|
N/A
|
XXXX
|
XX
|
$82.50
|
07/01/2026
|
Annually
|
0.00%
|
41.30%
|
41.30%
|
No
|
No
|
Self-Employed
|
Employed
|
2YR Full Doc
|
1
|
2
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
2
|
2
|
2
|
0
|
3
|
2
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
100.00%
|
0.00%
|
Borrower Prepared
|
17
|
Borrower
|
N/A
|
N/A
|
0
|
Yes
|
96
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
Yes
|
2
|
17
|
FNMA 1005
|
No
|
0
|
Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S),
CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage, Other - 2 YRS Personal Tax Returns
Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS
Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/15/2026
|
05/15/2026
|
05/15/2026
|
750
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
49.4
|
XXXX
|
49.4
|
No
|
51.65
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
0.44
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212808
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
6
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
3366
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.285%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$7,235.04
|
$602.92
|
$4,166.04
|
$347.17
|
$0.00
|
$10,381.60
|
$20,940.03
|
N/A
|
XXXX
|
XX
|
$347.17
|
Annually
|
0.00%
|
41.32%
|
41.32%
|
No
|
Retired
|
1YR Full Doc
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
3
|
0
|
Yes
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - Retirement, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/04/2026
|
05/04/2026
|
795
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
214.3
|
XXXX
|
214.3
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1212984
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/06/2026
|
7
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
Yes
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
0
|
06/01/2026
|
6.520%
|
DU
|
Approve Eligible
|
No
|
6.375%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$678.48
|
$56.54
|
$4,200.00
|
$350.00
|
$0.00
|
$7,004.43
|
$10,161.89
|
Yes
|
XXXX
|
XX
|
$350.00
|
Monthly
|
0.00%
|
41.17%
|
41.17%
|
No
|
Employed
|
2YR Full Doc
|
1
|
Less than 1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
111
|
30
|
Work Number
|
0
|
No
|
0
|
Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024,
2025, 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/20/2026
|
04/20/2026
|
783
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
Non Permanent Resident Alien
|
Non-Permanent Non-US Citizen
|
XXXX
|
Other
|
XXXX
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
6.5
|
XXXX
|
6.5
|
No
|
79.91
|
Yes
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Urban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1214616
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
6290
|
04/27/2026
|
6.260%
|
DU
|
Approve Ineligible
|
No
|
6.073%
|
6.000%
|
6.000%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,789.68
|
$399.14
|
$482.04
|
$40.17
|
$0.00
|
$6,868.09
|
$16,406.32
|
N/A
|
XXXX
|
XX
|
$40.17
|
Annually
|
0.00%
|
33.74%
|
33.74%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
0
|
0
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds,Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
99
|
28
|
Work Number
|
Yes
|
56
|
28
|
Work Number
|
No
|
0
|
N/A
|
Borrower - Wage, Commission, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE
Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/27/2026
|
04/27/2026
|
04/27/2026
|
804
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
46.2
|
XXXX
|
46.2
|
No
|
61.54
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1214874
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
2090
|
05/25/2026
|
6.600%
|
LP
|
Accept Ineligible
|
No
|
6.229%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,190.00
|
$182.50
|
$0.00
|
$0.00
|
$0.00
|
$8,092.26
|
$49,466.29
|
N/A
|
$0.00
|
0.00%
|
23.34%
|
23.34%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
1
|
2
|
Less than 1 Month
|
Less than 1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds,Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
162
|
28
|
Work Number
|
Yes
|
161
|
28
|
Work Number
|
No
|
0
|
Borrower - Other REO Net Rental Income(Loss), Wage, Bonus - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE
Verified, 2 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/04/2026
|
05/04/2026
|
819
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
33.9
|
XXXX
|
33.9
|
No
|
76.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1215336
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1145
|
05/04/2026
|
6.320%
|
DU
|
Approve Ineligible
|
No
|
6.269%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,152.04
|
$262.67
|
$1,757.04
|
$146.42
|
$0.00
|
$9,172.17
|
$22,465.34
|
N/A
|
XXXX
|
XX
|
$146.42
|
07/01/2026
|
Annually
|
0.00%
|
40.91%
|
40.91%
|
No
|
Employed
|
1YR Full Doc
|
1
|
1 Month
|
N/A
|
0
|
0
|
0
|
2
|
1
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
15
|
1
|
Work Number
|
0
|
No
|
0
|
Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS
Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/30/2026
|
04/30/2026
|
813
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
117.6
|
XXXX
|
117.6
|
No
|
76.81
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1215354
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
2500
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.150%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,000.00
|
$250.00
|
$0.00
|
$0.00
|
$0.00
|
$7,563.10
|
$11,187.28
|
N/A
|
$0.00
|
0.00%
|
45.21%
|
45.21%
|
No
|
Employed
|
1YR Full Doc
|
1
|
Less than 1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
95
|
29
|
Work Number
|
0
|
No
|
0
|
Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025,
2026
|
Borrower - 3 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/08/2026
|
05/08/2026
|
790
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
7.5
|
XXXX
|
7.5
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216200
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1370
|
04/27/2026
|
6.260%
|
DU
|
Approve Ineligible
|
No
|
6.267%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$5,380.80
|
$448.40
|
$0.00
|
$0.00
|
$0.00
|
$8,541.46
|
$31,126.93
|
N/A
|
$0.00
|
0.00%
|
29.56%
|
29.56%
|
No
|
No
|
Self-Employed
|
Employed
|
2YR Full Doc
|
2
|
1
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
1
|
1
|
0
|
0
|
2
|
1
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
100.00%
|
0.00%
|
Stocks/Bonds
|
Borrower Prepared
|
4
|
Borrower
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
1
|
28
|
Work Number
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Commission, SESCorp, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax
Returns Verified(1120S, 1065), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026, 2024 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month
Paystubs Verified, 1 YR Executed 4506T Verified - 2025, 2026
|
Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1065), 2 YRS Executed 4506T Verified, 1 YR IRS
Transcripts Verified - 2025, 2026, 2024 || Co Borrower - 1 YR Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/02/2026
|
03/02/2026
|
03/02/2026
|
810
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
14.4
|
XXXX
|
14.4
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216288
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
1409.6
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.388%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,655.00
|
$221.25
|
$0.00
|
$0.00
|
$0.00
|
$9,824.00
|
$24,614.16
|
N/A
|
$0.00
|
0.00%
|
28.64%
|
28.64%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
0
|
0
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
93
|
28
|
Work Number
|
Yes
|
93
|
28
|
Work Number
|
No
|
0
|
N/A
|
Borrower - Commission, Bonus - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co
Borrower - Wage, Bonus - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/19/2026
|
03/19/2026
|
03/19/2026
|
777
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
5.4
|
XXXX
|
18.5
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1216989
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
N/A
|
N/A
|
95
|
05/04/2026
|
6.320%
|
DU
|
Approve Ineligible
|
No
|
6.385%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,897.80
|
$158.15
|
$660.00
|
$55.00
|
$0.00
|
$6,333.55
|
$9,439.51
|
N/A
|
XXXX
|
XX
|
$55.00
|
Annually
|
0.00%
|
43.36%
|
43.36%
|
No
|
Employed
|
2YR Full Doc
|
2
|
1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
65
|
28
|
Work Number
|
0
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS
Executed 4506T Verified - 2024, 2025, 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
02/28/2026
|
02/28/2026
|
811
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
7.0
|
XXXX
|
7.0
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1217891
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1990
|
05/25/2026
|
6.600%
|
DU
|
Approve Ineligible
|
No
|
6.196%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,210.00
|
$267.50
|
$0.00
|
$0.00
|
$0.00
|
$9,694.64
|
$27,703.22
|
N/A
|
$0.00
|
0.00%
|
34.41%
|
34.41%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
2
|
1
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
47
|
30
|
Other
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Other REO Net Rental Income(Loss), Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS
Executed 4506T Verified - 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/28/2026
|
05/28/2026
|
05/28/2026
|
755
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
140.9
|
XXXX
|
140.9
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1218316
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1690
|
06/08/2026
|
6.510%
|
DU
|
Approve Ineligible
|
No
|
6.716%
|
6.625%
|
6.625%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,334.00
|
$194.50
|
$99.96
|
$8.33
|
$0.00
|
$9,756.99
|
$18,749.90
|
N/A
|
XXXX
|
XX
|
$8.33
|
Annually
|
0.00%
|
43.70%
|
43.70%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
2
|
2
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
314
|
28
|
Work Number
|
Yes
|
344
|
33
|
Work Number
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099
Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024,
2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/14/2026
|
05/14/2026
|
05/14/2026
|
790
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
119.0
|
XXXX
|
119.0
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1218720
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
1890
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.401%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,586.04
|
$382.17
|
$4,800.00
|
$400.00
|
$0.00
|
$8,291.36
|
$25,787.45
|
N/A
|
XXXX
|
XX
|
$400.00
|
07/01/2026
|
Monthly
|
0.00%
|
34.83%
|
34.83%
|
No
|
No
|
Self-Employed
|
Self-Employed
|
2YR Full Doc
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
2
|
0
|
2
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
100.00%
|
100.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified -
2024, 2025 || Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024, 2025
|
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns
Verified, 2 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/20/2026
|
04/20/2026
|
04/20/2026
|
785
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
41.8
|
XXXX
|
41.8
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
89.85
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219435
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1950
|
06/01/2026
|
6.520%
|
DU
|
Approve Eligible
|
No
|
6.283%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,938.00
|
$161.50
|
$0.00
|
$0.00
|
$0.00
|
$8,239.09
|
$18,373.15
|
N/A
|
$0.00
|
0.00%
|
31.21%
|
31.21%
|
No
|
No
|
Employed
|
Employed
|
1YR Full Doc
|
1
|
1
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
Yes
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds,Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - Wage - 1
YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2026, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/24/2026
|
05/24/2026
|
05/24/2026
|
810
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
85.9
|
XXXX
|
85.9
|
No
|
61.03
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219436
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
0
|
06/08/2026
|
6.510%
|
LP
|
Accept Eligible
|
No
|
6.500%
|
6.500%
|
6.500%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$5,149.20
|
$429.10
|
$0.00
|
$0.00
|
$0.00
|
$8,505.14
|
$14,572.25
|
N/A
|
$0.00
|
0.00%
|
46.33%
|
46.33%
|
No
|
Employed
|
2YR Full Doc
|
2
|
1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - Wage, Wage, Overtime, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed
4506T Verified - 2026, 2025, 2024
|
Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/28/2026
|
05/28/2026
|
788
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
131.5
|
XXXX
|
131.5
|
No
|
66.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1219804
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
1595
|
06/01/2026
|
6.520%
|
DU
|
Approve Eligible
|
No
|
6.403%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,604.00
|
$217.00
|
$0.00
|
$0.00
|
$0.00
|
$6,717.69
|
$22,541.06
|
N/A
|
$0.00
|
0.00%
|
25.93%
|
25.93%
|
No
|
No
|
Employed
|
Self-Employed
|
1YR Full Doc
|
1
|
0
|
1 Month
|
NA
|
Yes
|
4
|
N/A
|
0
|
1
|
0
|
1
|
0
|
1
|
1
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
100.00%
|
N/A
|
0
|
N/A
|
Borrower Prepared
|
Borrower
|
5
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR
IRS Transcripts Verified - 2026, 2025 || Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2025
|
Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2025 || Co Borrower - 1
YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/16/2026
|
04/16/2026
|
04/16/2026
|
795
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
28.7
|
XXXX
|
28.7
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1220470
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1891.88
|
06/15/2026
|
6.570%
|
DU
|
Approve Ineligible
|
No
|
6.273%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,539.68
|
$211.64
|
$0.00
|
$0.00
|
$0.00
|
$8,018.04
|
$37,366.48
|
N/A
|
$0.00
|
0.00%
|
19.33%
|
19.33%
|
No
|
Self-Employed
|
1YR Full Doc
|
2
|
1 Month
|
N/A
|
0
|
2
|
2
|
2
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
51.50%
|
Third-Party Prepared (Unaudited)
|
5
|
CPA
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
Borrower - Other REO Net Rental Income(Loss), SECorporation, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax
Returns Verified(1120), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 2 YRS Executed 4506T Verified, 1040 Schedule E
Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/01/2026
|
06/01/2026
|
804
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
37.9
|
XXXX
|
37.9
|
No
|
75.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Urban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222307
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1990
|
05/25/2026
|
6.600%
|
DU
|
Accept Ineligible
|
No
|
6.419%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,634.00
|
$219.50
|
$3,840.00
|
$320.00
|
$0.00
|
$10,878.41
|
$30,473.28
|
N/A
|
XXXX
|
XX
|
$320.00
|
Monthly
|
0.00%
|
38.61%
|
38.61%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
1
|
2
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds,Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
360
|
28
|
Work Number
|
Yes
|
242
|
28
|
Work Number
|
No
|
0
|
N/A
|
Borrower - Wage, Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026,
2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/27/2026
|
05/27/2026
|
05/27/2026
|
797
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
16.0
|
XXXX
|
16.0
|
No
|
71.43
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
12.73
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222427
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1695
|
05/18/2026
|
6.420%
|
DU
|
Approve Ineligible
|
No
|
6.543%
|
6.500%
|
8.500%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,876.96
|
$323.08
|
$0.00
|
$0.00
|
$0.00
|
$10,564.24
|
$27,788.17
|
N/A
|
$0.00
|
0.00%
|
41.75%
|
41.75%
|
No
|
No
|
Employed
|
Employed
|
1YR Full Doc
|
1
|
0
|
1 Month
|
NA
|
Yes
|
15
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
13
|
12
|
Work Number
|
Yes
|
46
|
29
|
Other
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS
Executed 4506T Verified - 2025, 2026 || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/17/2026
|
05/17/2026
|
05/17/2026
|
774
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
61.4
|
XXXX
|
61.4
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222743
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
2325
|
06/01/2026
|
6.520%
|
DU
|
Approve Ineligible
|
No
|
6.406%
|
6.375%
|
6.380%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,166.04
|
$347.17
|
$0.00
|
$0.00
|
$0.00
|
$6,831.75
|
$17,215.76
|
N/A
|
$0.00
|
0.00%
|
39.51%
|
39.51%
|
No
|
No
|
Employed
|
Employed
|
1YR Full Doc
|
1
|
1
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
1
|
14
|
Work Number
|
Yes
|
2
|
17
|
Work Number
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed
4506T Verified - 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2025, 2026
|
Borrower - 1 YR Executed 4506T Verified - 2025, 2026 || Co Borrower - 1 YR Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/01/2026
|
06/01/2026
|
06/01/2026
|
808
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
13.8
|
XXXX
|
13.8
|
No
|
57.7
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1222951
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
2320
|
06/15/2026
|
6.570%
|
DU
|
Approve Ineligible
|
No
|
6.285%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,817.36
|
$234.78
|
$3,384.00
|
$282.00
|
$0.00
|
$7,193.95
|
$17,775.20
|
N/A
|
XXXX
|
XX
|
$282.00
|
Monthly
|
0.00%
|
36.89%
|
36.89%
|
No
|
No
|
Employed
|
Employed
|
1YR Full Doc
|
1
|
1
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
1
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR
IRS Transcripts Verified - 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR
IRS Transcripts Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/07/2026
|
05/07/2026
|
05/07/2026
|
772
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
Real ID Driver's License
|
XX
|
XXXX
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
Real ID Driver's License
|
XX
|
XXXX
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
31.9
|
XXXX
|
31.9
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
10110.75
|
06/15/2026
|
6.570%
|
LP
|
Accept
|
No
|
6.268%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$5,889.00
|
$490.75
|
$1,575.00
|
$131.25
|
$0.00
|
$10,625.08
|
$68,353.03
|
N/A
|
XXXX
|
XX
|
$131.25
|
Annually
|
0.00%
|
18.26%
|
18.26%
|
No
|
No
|
Self-Employed
|
Not Employed
|
2YR Full Doc
|
2
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
2
|
2
|
0
|
0
|
2
|
2
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
45.00%
|
Borrower Prepared
|
3
|
Borrower
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S),
YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 || Co Borrower
|
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS
Transcripts Verified - 2026, 2025, 2024 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/04/2026
|
05/04/2026
|
05/04/2026
|
764
|
No
|
NA
|
0
|
0
|
0
|
XXXX
|
1
|
XXXX
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
35.1
|
XXXX
|
35.1
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1223964
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 2 - Underwritten to Subsequent GSE Guidelines Substantially Similar to June 2020 GSE Guidelines
|
N/A
|
995
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.395%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,658.00
|
$221.50
|
$0.00
|
$0.00
|
$0.00
|
$7,671.97
|
$70,434.79
|
N/A
|
$0.00
|
0.00%
|
32.45%
|
32.45%
|
No
|
No
|
Employed
|
Not Employed
|
2YR Full Doc
|
1
|
0
|
1 Month
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
3
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
291
|
28
|
FNMA 1005
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs
Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified
|
Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/21/2026
|
04/21/2026
|
04/21/2026
|
780
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
54.5
|
XXXX
|
54.5
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1224128
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
1395
|
06/15/2026
|
6.570%
|
DU
|
Approve Eligible
|
No
|
6.420%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,625.04
|
$135.42
|
$0.00
|
$0.00
|
$0.00
|
$6,971.80
|
$16,697.44
|
N/A
|
$0.00
|
0.00%
|
39.39%
|
39.39%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
2
|
2
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
54
|
28
|
FNMA 1005
|
Yes
|
45
|
45
|
Work Number
|
No
|
0
|
N/A
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS
Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2026, 2025, 2024, 2023, 2022
|
Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024, 2023, 2022
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/12/2026
|
05/12/2026
|
05/12/2026
|
787
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
14.5
|
XXXX
|
14.5
|
No
|
78.26
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
Yes
|
80.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
1750
|
06/15/2026
|
6.570%
|
DU
|
Approve Ineligible
|
No
|
6.262%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,969.00
|
$330.75
|
$3,849.96
|
$320.83
|
$0.00
|
$12,767.09
|
$35,568.76
|
N/A
|
XXXX
|
XX
|
$320.83
|
01/01/2027
|
Annually
|
0.00%
|
40.97%
|
40.97%
|
No
|
No
|
Self-Employed
|
Not Employed
|
1YR Full Doc
|
1
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
1
|
1
|
0
|
0
|
1
|
1
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
100.00%
|
Borrower Prepared
|
4
|
Borrower
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net
Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified -
2024, 2025, 2026 || Co Borrower
|
Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1 YR IRS
Transcripts Verified - 2024, 2025, 2026 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/14/2026
|
05/14/2026
|
05/14/2026
|
776
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
131.5
|
XXXX
|
131.5
|
No
|
65.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Rural
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226236
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
No
|
Yes
|
Option 3 - Underwritten to Proprietary Lender Guidelines
|
N/A
|
1675
|
06/01/2026
|
6.520%
|
DU
|
Approve Eligible
|
No
|
6.412%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,977.04
|
$331.42
|
$0.00
|
$0.00
|
$0.00
|
$7,189.21
|
$8,983.29
|
N/A
|
$0.00
|
0.00%
|
45.22%
|
45.22%
|
No
|
Employed
|
2YR Full Doc
|
2
|
1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
51
|
28
|
Work Number
|
0
|
No
|
0
|
N/A
|
Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS
Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/02/2026
|
06/02/2026
|
791
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
14.7
|
XXXX
|
14.7
|
No
|
60.34
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226300
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1790
|
06/01/2026
|
6.520%
|
DU
|
Approve Ineligible
|
No
|
6.274%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,085.04
|
$340.42
|
$0.00
|
$0.00
|
$0.00
|
$7,495.30
|
$31,839.78
|
N/A
|
$0.00
|
0.00%
|
19.23%
|
19.23%
|
No
|
No
|
Not Employed
|
Employed
|
1YR Full Doc
|
0
|
1
|
NA
|
1 Month
|
N/A
|
0
|
Yes
|
2
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
Yes
|
33
|
27
|
Other
|
No
|
0
|
Borrower - 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2
YRS Executed 4506T Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/03/2026
|
06/03/2026
|
06/03/2026
|
767
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
Real ID Driver's License
|
XX
|
XXXX
|
XXXX
|
I-551 Permanent Resident Card
|
XXXX
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
56.4
|
XXXX
|
56.4
|
No
|
55.54
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1226432
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1895
|
06/01/2026
|
6.520%
|
DU
|
Approve Ineligible
|
No
|
6.575%
|
6.490%
|
6.490%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,477.40
|
$206.45
|
$0.00
|
$0.00
|
$0.00
|
$10,796.37
|
$23,206.68
|
N/A
|
$0.00
|
0.00%
|
36.11%
|
36.11%
|
No
|
No
|
Self-Employed
|
Self-Employed
|
2YR Full Doc
|
0
|
2
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
2
|
2
|
2
|
2
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
50.00%
|
50.00%
|
Stocks/Bonds,Stocks/Bonds,Stocks/Bonds
|
Borrower Prepared
|
5
|
Borrower
|
Borrower Prepared
|
Borrower
|
5
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
Yes
|
5
|
24
|
Work Number
|
No
|
0
|
Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S),
YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - SESCorp, Wage, Bonus, Wage, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified,
2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - 2024, 2025,
2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/02/2026
|
06/02/2026
|
06/02/2026
|
799
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
19.9
|
XXXX
|
19.9
|
No
|
70.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Urban
|
No
|
34.38
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1228220
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
10250
|
04/13/2026
|
6.370%
|
LP
|
Accept Ineligible
|
No
|
6.040%
|
5.990%
|
5.990%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$6,407.04
|
$533.92
|
$0.00
|
$0.00
|
$0.00
|
$12,811.53
|
$25,606.18
|
N/A
|
$0.00
|
0.00%
|
37.23%
|
37.23%
|
No
|
No
|
Self-Employed
|
Employed
|
Asset Depletion – Debt Ratio Calculation
|
0
|
1
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
1
|
1
|
0
|
0
|
3
|
1
|
Yes
|
NA
|
Yes
|
Yes
|
240.0
|
No
|
Yes
|
Yes
|
3
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
100.00%
|
0.00%
|
Borrower Prepared
|
4
|
Borrower
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - SECorporation, SESCorp, Other, Retirement, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental
Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, Balance Sheet Verified, 3 YRS Executed 4506T
Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2026, 2025 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2026, 2025
|
Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS
Transcripts Verified - 2026, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - 2026, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/15/2026
|
04/15/2026
|
04/15/2026
|
801
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
144.3
|
XXXX
|
144.3
|
No
|
43.16
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1228264
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
0
|
06/08/2026
|
6.510%
|
LP
|
Accept
|
No
|
5.875%
|
5.875%
|
5.875%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,315.00
|
$276.25
|
$3,180.00
|
$265.00
|
$493.07
|
$8,376.18
|
$13,092.66
|
N/A
|
XXXX
|
XX
|
$265.00
|
Monthly
|
0.00%
|
42.46%
|
42.46%
|
No
|
Employed
|
1YR Full Doc
|
1
|
1 Month
|
N/A
|
0
|
0
|
0
|
3
|
0
|
Yes
|
No
|
Yes
|
240.0
|
No
|
Yes
|
Yes
|
3
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
Borrower - Wage, SSI and Disability, Retirement, Asset Depletion, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3
YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2026
|
Borrower - 3 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/27/2026
|
04/27/2026
|
787
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
HELOC
|
$99,200.00
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
40.0
|
XXXX
|
40.0
|
No
|
60.9
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1229347
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1370
|
06/01/2026
|
6.520%
|
DU
|
Approve Ineligible
|
No
|
6.397%
|
6.375%
|
6.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,841.04
|
$403.42
|
$4,800.00
|
$400.00
|
$0.00
|
$10,764.14
|
$34,454.59
|
N/A
|
XXXX
|
XX
|
$400.00
|
Monthly
|
0.00%
|
33.49%
|
33.49%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
2
|
1
|
Less than 1 Month
|
Less than 1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
156
|
29
|
FNMA 1005
|
Yes
|
25
|
25
|
FNMA 1005
|
No
|
0
|
Borrower - Other REO Net Rental Income(Loss), Wage, Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE
Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/28/2026
|
04/28/2026
|
04/28/2026
|
752
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
25.1
|
XXXX
|
25.1
|
No
|
74.36
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1230622
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1675
|
06/15/2026
|
6.570%
|
DU
|
Approve Ineligible
|
No
|
6.136%
|
6.125%
|
6.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,785.00
|
$148.75
|
$0.00
|
$0.00
|
$0.00
|
$14,007.09
|
$28,219.94
|
N/A
|
$0.00
|
0.00%
|
45.69%
|
45.69%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
2
|
2
|
1 Month
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
2
|
0
|
2
|
0
|
3
|
2
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
47
|
29
|
Work Number
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS
W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month
Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026
|
Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 || Co
Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/11/2026
|
06/11/2026
|
06/11/2026
|
805
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
23.7
|
XXXX
|
111.7
|
No
|
75.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1232222
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
Yes
|
Yes
|
Yes
|
Option 2 - Underwritten to Subsequent GSE Guidelines Substantially Similar to June 2020 GSE Guidelines
|
N/A
|
3343
|
05/11/2026
|
6.410%
|
DU
|
Approve Ineligible
|
No
|
6.545%
|
6.500%
|
6.500%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,304.00
|
$192.00
|
$0.00
|
$0.00
|
$0.00
|
$7,924.97
|
$32,024.76
|
N/A
|
$0.00
|
0.00%
|
21.50%
|
21.50%
|
No
|
No
|
Employed
|
Employed
|
1YR Full Doc
|
1
|
1
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
88
|
28
|
Work Number
|
Yes
|
187
|
29
|
Work Number
|
No
|
0
|
Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - Wage - 1 YR W2
1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2026
|
Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/12/2026
|
05/12/2026
|
05/12/2026
|
789
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
102.7
|
XXXX
|
102.7
|
No
|
62.43
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1235033
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1895
|
06/08/2026
|
6.510%
|
DU
|
Approve Ineligible
|
No
|
6.295%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,448.64
|
$120.72
|
$0.00
|
$0.00
|
$0.00
|
$11,235.71
|
$17,317.22
|
N/A
|
$0.00
|
0.00%
|
42.28%
|
42.28%
|
No
|
No
|
Retired
|
Not Employed
|
1YR Full Doc
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
Yes
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
Stocks/Bonds,Stocks/Bonds,Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - Retirement, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - 2026 || Co Borrower
|
Borrower - 2 YRS Executed 4506T Verified - 2026 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/12/2026
|
06/12/2026
|
06/12/2026
|
801
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
239.2
|
XXXX
|
239.2
|
No
|
80.0
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
1236216
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
03/10/2026
|
12
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
Yes
|
No
|
N/A
|
N/A
|
0
|
06/15/2026
|
6.570%
|
DU
|
Approve Eligible
|
No
|
6.250%
|
6.250%
|
6.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,490.20
|
$290.85
|
$8,544.00
|
$712.00
|
$0.00
|
$7,943.15
|
$11,276.47
|
Yes
|
XXXX
|
XX
|
$712.00
|
Monthly
|
0.00%
|
42.04%
|
42.04%
|
No
|
No
|
Employed
|
Employed
|
2YR Full Doc
|
0
|
2
|
NA
|
1 Month
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
Yes
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
218
|
28
|
Work Number
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage, Commission, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified - 2026, 2025,
2024 || Co Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2026, 2025, 2024
|
Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/27/2026
|
05/27/2026
|
05/27/2026
|
760
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
20.9
|
XXXX
|
20.9
|
No
|
71.72
|
Yes
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
XXXX
|
XXXX
|
Suburban
|
No
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Original Loan Amount
|
Initial Credit Loan Grades DBRS
|
Initial Credit Loan Grades Fitch
|
Initial Credit Loan Grades Kroll
|
Initial Credit Loan Grades Moody's
|
Initial Credit Loan Grades S&P
|
Initial Compliance Loan Grades DBRS
|
Initial Compliance Loan Grades Fitch
|
Initial Compliance Loan Grades Kroll
|
Initial Compliance Loan Grades Moody's
|
Initial Compliance Loan Grades S&P
|
Initial Property Loan Grades DBRS
|
Initial Property Loan Grades Fitch
|
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Initial Property Loan Grades Moody's
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Initial Overall Loan Grades DBRS
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Initial Overall Loan Grades Fitch
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Initial Overall Loan Grades Kroll
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Initial Overall Loan Grades Moody's
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Initial Overall Loan Grades S&P
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Final Credit Loan Grades DBRS
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Final Credit Loan Grades Fitch
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Final Credit Loan Grades Kroll
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Final Credit Loan Grades Moody's
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Final Compliance Loan Grades DBRS
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Final Compliance Loan Grades Fitch
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Final Compliance Loan Grades Kroll
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Final Compliance Loan Grades Moody's
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Final Property Loan Grades DBRS
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Final Property Loan Grades Fitch
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|
Final Overall Loan Grades DBRS
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Final Overall Loan Grades Fitch
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Final Overall Loan Grades Kroll
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Final Overall Loan Grades Moody's
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A
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A
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A
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A
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B
|
B
|
B
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B
|
B
|
|
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
|
D
|
D
|
D
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C
|
C
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C
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C
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C
|
A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
1223964
|
XXXX
|
XXXX
|
XXXX
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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C
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C
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C
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|
|
1224128
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
|
D
|
D
|
D
|
C
|
C
|
C
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C
|
C
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C
|
C
|
C
|
C
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C
|
D
|
D
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D
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D
|
D
|
A
|
A
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A
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A
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A
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B
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B
|
B
|
B
|
B
|
A
|
A
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A
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A
|
A
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B
|
B
|
B
|
B
|
B
|
|
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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D
|
D
|
D
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D
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
1226236
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
|
D
|
D
|
D
|
B
|
B
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B
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B
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B
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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|
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1226300
|
XXXX
|
XXXX
|
XXXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
1226432
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
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D
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D
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D
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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1228220
|
XXXX
|
XXXX
|
XXXX
|
D
|
D
|
D
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D
|
D
|
C
|
C
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C
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C
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C
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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|
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1228264
|
XXXX
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XXXX
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XXXX
|
D
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D
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D
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D
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D
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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1229347
|
XXXX
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XXXX
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XXXX
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A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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1230622
|
XXXX
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XXXX
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XXXX
|
D
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D
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D
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D
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D
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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1232222
|
XXXX
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XXXX
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XXXX
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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1235033
|
XXXX
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XXXX
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XXXX
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D
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D
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D
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D
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D
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
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B
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B
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B
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B
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1236216
|
XXXX
|
XXXX
|
XXXX
|
D
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D
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D
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D
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D
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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B
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B
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B
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B
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B
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
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B
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B
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B
|
B
|
|
Redaction ID - If using as Redaction ID, Rename Cell A2 - Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID - If the client is providing their own redaction ID's and it is in this Column, redact all #'s in
Column A and rename this column Redaction ID
|
Overall Initial Loan Grade
|
Overall Final Loan Grade
|
Credit Initial Loan Grade
|
Credit Current/Final Loan Grade
|
Compliance Initial Loan Grade
|
Compliance Current/Final Loan Grade
|
Property Initial Loan Grade
|
Property Current/Final Loan Grade
|
Queue
|
Finding Code
|
Date Created
|
Date Modified
|
Finding Status
|
Event Level
|
Initial Finding Grade
|
Current/Final Finding Grade
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Finding Comments - REDACT PI
|
Seller Comments - REDACT PI
|
Resolution Comments - REDACT PI
|
Reviewer Comp Factor - Check for PI (shouldn't be any). Redact if needed
|
Originator Comp Factors - REDACT PI
|
Finding Documents - Redact all. Single XXXXX Per Cell is Fine
|
Originator QM Status
|
Final Reviewed QM Status
|
Loan Amount
|
Property State
|
Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Acknowledged / WaivedBy
|
Waiver in File?
|
Unique Finding ID
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Overall Initial Loan Grade
|
Overall Final Loan Grade
|
Credit Initial Loan Grade
|
Credit Current/Final Loan Grade
|
Compliance Initial Loan Grade
|
Compliance Current/Final Loan Grade
|
Property Initial Loan Grade
|
Property Current/Final Loan Grade
|
Queue
|
Finding Code
|
Date Created
|
Date Modified
|
Finding Status
|
Event Level
|
Initial Finding Grade
|
Current/Final Finding Grade
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Finding Comments
|
Seller Comments
|
Resolution Comments
|
Reviewer Comp Factor
|
Originator Comp Factors
|
Finding Documents
|
Originator QM Status
|
Final Reviewed QM Status
|
Loan Amount
|
Property State
|
Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Acknowledged / WaivedBy
|
Waiver in File?
|
Unique Finding ID
|
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE1334
|
2026-06-16 10:13
|
2026-07-13 15:08
|
Waived
|
2 - Non-Material
|
D
|
B
|
Credit
|
Missing Doc
|
Borrower 1 Executed 4506-T/4506-C is Missing
|
Waived-Client provided a waiver for missing 4506-C, applied to non material finding with reviewed comp factors - Due Diligence
Vendor-07/10/2026
Ready for Review-Document Uploaded. Per guidelines 4506C is only required if borrower is 25% or more owner in company. Per K-1's borrower
is 20% owner in XXXX. Please see waiver approval form and clear the condition - Seller-07/08/2026
Counter-Income worksheet provided, however we are still missing the 4506C for XXXX - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Counter-Per the guidelines Executed 4506C in name of any business being used to qualify will be required in the closing package. In
addition, client noted % of ownership has changed, please provide documentation to support and income calculation. Additional findings may apply. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Counter-Final 1003 loan application provided. Please advise. - Due Diligence Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Counter-4506-C for XXXX provided. Please provide the 4506-C from XXXX. - Due Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/22/2026
Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing executed 4506-C in the name of the 1065 businesses required by Guideline Section
3.01D(d)(viii). - Due Diligence Vendor-06/16/2026
|
Ready for Review-Document Uploaded. Per guidelines 4506C is only required if borrower is 25% or more owner in company. Per K-1's borrower
is 20% owner in XXXX. Please see waiver approval form and clear the condition - Seller-07/08/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Ready for Review-Condition document submitted - Seller-06/22/2026
|
Waived-Client provided a waiver for missing 4506-C, applied to non material finding with reviewed comp factors - Due Diligence
Vendor-07/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Investor Post-Close
|
No
|
9766020
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE1506
|
2026-06-16 10:51
|
2026-07-10 12:58
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit Findings have been resolved. - Due Diligence Vendor-07/10/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing final signed or certified
settlement statement for sale of departure residence. File included estimated ALTA only. Additional findings may apply since the payment for the departure was excluded from DTI. If not paid in full, PITIA to be documented and included with
total liabilities (Audit is unable to determine if credit report payment includes escrow).
2. Missing complete signed copy of the 2025 1065 required by Guideline Section 3.01D(d)(vii). File included 2025 and K-1 page only. -
Due Diligence Vendor-06/16/2026
|
Resolved-Credit Findings have been resolved. - Due Diligence Vendor-07/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766781
|
|||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE5782
|
2026-06-16 10:30
|
2026-07-10 12:57
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Gap Report. - Due Diligence Vendor-06/24/2026
Ready for Review-Condition document submitted - Seller-06/23/2026
Open-Borrower 1 Gap Credit Report is Missing Missing a credit refresh (gap report/debt monitoring) completed no more than 10 days prior to
the Note date. Although fraud report includes TRU monitoring on the fraud report dated XXXX, the UDM notes that the credit bureau froze credit on XXXX and identified the frozen status as a high alert. - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/23/2026
|
Resolved-Received Gap Report. - Due Diligence Vendor-06/24/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766323
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE1323
|
2026-06-16 10:13
|
2026-06-30 13:18
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Borrower 1 Business Tax Returns Less Than 24 Months Provided
|
Resolved-The capital percentage on the 2025 1065 reflected 20 ownership. - Due Diligence Vendor-06/30/2026
Counter-Final 1003 loan application provided. Please advise. - Due Diligence Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Counter-Two income sources were used. Please provide complete signed copy of the 2025 1065 for the borrower's 48.37% partnership - Due
Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Missing complete signed copy of the 2025 1065 for the borrower's 48.37%
partnership required by Guideline Section 3.01D(d)(vii). File included 2025 and K-1 page only. Additional findings may apply and income (including liquidity) will require recalculation since lender's income used to qualify. - Due Diligence
Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/25/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
|
Resolved-The capital percentage on the 2025 1065 reflected 20 ownership. - Due Diligence Vendor-06/30/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766019
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE8525
|
2026-06-16 09:36
|
2026-06-22 15:35
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Appraisal
|
Two or more full valuation products not provided for loan amounts > $2 million
|
Resolved-Received 2nd full appraisal - Due Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
Counter-Desk Review provided, however we are missing the second full appraisal. Appraisal in file was performed by XXXX. - Due Diligence
Vendor-06/18/2026
Ready for Review-Condition document submitted - Seller-06/17/2026
Open-Two or more full valuation products were not provided.' Missing second appraisal required by Guideline Section 5.03 for loan amounts
> $2,000,000. Additional findings may apply. - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/18/2026
Ready for Review-Condition document submitted - Seller-06/17/2026
|
Resolved-Received 2nd full appraisal - Due Diligence Vendor-06/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9765143
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE1481
|
2026-06-16 10:44
|
2026-06-22 15:19
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 3 Does Not Meet Guideline Requirements
|
Resolved-Received Final Seller disclosure - Due Diligence Vendor-06/18/2026
Ready for Review-Condition document submitted - Seller-06/17/2026
Open-Asset Record 3 Does Not Meet G/L Requirements Missing final signed or certified settlement statement for the sale of departure. File
included an estimated ALTA only. Additional findings may apply since Audit included the XXXX noted by CU and the funds are required for closing/reserves. - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/17/2026
|
Resolved-Received Final Seller disclosure - Due Diligence Vendor-06/18/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766610
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE1482
|
2026-06-16 10:44
|
2026-06-22 15:19
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 4 Does Not Meet Guideline Requirements
|
Resolved-Received 401k Terms meeting XX finding #20 requirements. - Due Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
Open-Asset 4 Does Not Meet Guideline Requirements Missing terms of withdrawal for the 401k account to determine compliance with XX finding
#20. Additional findings may apply since the funds are required for reserves and closing, and Audit included the full vested value since included in XX. - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/18/2026
|
Resolved-Received 401k Terms meeting XX finding #20 requirements. - Due Diligence Vendor-06/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766612
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE9550
|
2026-06-16 10:22
|
2026-06-18 12:04
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Debt
|
Missing Supporting Credit Documents
|
Resolved-Received Statement. - Due Diligence Vendor-06/18/2026
Ready for Review-Condition document submitted - Seller-06/17/2026
Open-Missing a current statement required by Guideline section 7.20 for the open XXXX account confirming the full payment is due.
Additional findings may apply. - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/17/2026
|
Resolved-Received Statement. - Due Diligence Vendor-06/18/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9766165
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCRE4963
|
2026-06-16 09:54
|
2026-06-18 12:04
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
No evidence of required debt payoff
|
Resolved-Received sellers Final Closing disclosure reflecting the mortgage is paid. - Due Diligence Vendor-06/18/2026
Ready for Review-Condition document submitted - Seller-06/17/2026
Open-Missing final signed or certified settlement statement for sale of departure residence. File included estimated ALTA only. Per XX
Finding #11, if the account was paid prior to closing the account must be marked paid by closing (not omitted) and the loan casefile must be resubmitted to XX. Additional findings may apply since the payment for the departure was excluded
from DTI. If not paid in full, PITIA to be documented and included with total liabilities (Audit is unable to determine if credit report payment includes escrow). - Due Diligence Vendor-06/16/2026
|
Ready for Review-Condition document submitted - Seller-06/17/2026
|
Resolved-Received sellers Final Closing disclosure reflecting the mortgage is paid. - Due Diligence Vendor-06/18/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9765584
|
||
|
1199877
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
B
|
B
|
C
|
A
|
Closed
|
FCOM5135
|
2026-06-12 17:25
|
2026-06-15 06:26
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/12/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/12/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False 764 FICO exceeds 720 minimum required.
LTV is less than guideline maximum - Rule False 70% LTV and 80% allowed.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9729241
|
|||
|
1201198
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-17 06:39
|
2026-06-29 12:14
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The findings have been resolved. - Due Diligence Vendor-06/29/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing verification of the 05/01/2026
payment for REO 3b on B1's 1003. Additional findings may apply.
2. Unable to determine what property XXXX HELOC is tied to. Credit report notes an open HELOC in good standing. File includes HELOC
statement and LOX from borrower stating that HELOC has a zero balance. If tied to subject property, either the requirements of XX #11 must be met and XX rerun to include the HELOC balance or evidence provided that the HELOC has been closed
to future draws. Additionally, a subordination agreement is required if open HELOC tied to subject. Additional findings may apply. - Due Diligence Vendor-06/17/2026
|
Resolved-The findings have been resolved. - Due Diligence Vendor-06/29/2026
|
Qualifying DTI below maximum allowed - Rule False 19.86% DTI is less than 45% maximum.
LTV is less than guideline maximum - Rule False 41.98% LTV is less than 80% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9787011
|
|||
|
1201198
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-06-15 11:54
|
2026-06-26 13:04
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received revised CD and COC, finding resolved. - Due Diligence Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $200 (Final Inspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in
the amount of $200, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B
under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/15/2026
|
Ready for Review-Condition document submitted - Seller-06/25/2026
|
Resolved-Received revised CD and COC, finding resolved. - Due Diligence Vendor-06/26/2026
|
Qualifying DTI below maximum allowed - Rule False 19.86% DTI is less than 45% maximum.
LTV is less than guideline maximum - Rule False 41.98% LTV is less than 80% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9748402
|
||
|
1201198
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-06-17 06:18
|
2026-06-26 11:27
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Mortgage statement. 0x30 - Due Diligence Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Open-Housing History Does Not Meet Guideline Requirements Missing verification of the 05/01/2026 payment for REO 3b on B1's 1003 XXXX
Mtg. Additional findings may apply. - Due Diligence Vendor-06/17/2026
|
Ready for Review-Condition document submitted - Seller-06/25/2026
|
Resolved-Received Mortgage statement. 0x30 - Due Diligence Vendor-06/26/2026
|
Qualifying DTI below maximum allowed - Rule False 19.86% DTI is less than 45% maximum.
LTV is less than guideline maximum - Rule False 41.98% LTV is less than 80% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9786753
|
||
|
1201198
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE8201
|
2026-06-17 06:19
|
2026-06-26 11:25
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Loan does not conform to program guidelines
|
Resolved-Upon further review, the HELOC was not reporting on title and does not belong to the subject property. - Due Diligence
Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Open-Unable to determine what property XXXX HELOC is tied to. Credit report notes an open HELOC in good standing. File includes HELOC
statement and LOX from borrower stating that HELOC has a zero balance. If tied to subject property, either the requirements of DU #11 must be met and XX rerun to include the HELOC balance or evidence provided that the HELOC has been closed
to future draws. Additionally, a subordination agreement is required if open HELOC tied to subject. Additional findings may apply. - Due Diligence Vendor-06/17/2026
|
Ready for Review-Condition document submitted - Seller-06/25/2026
|
Resolved-Upon further review, the HELOC was not reporting on title and does not belong to the subject property. - Due Diligence
Vendor-06/26/2026
|
Qualifying DTI below maximum allowed - Rule False 19.86% DTI is less than 45% maximum.
LTV is less than guideline maximum - Rule False 41.98% LTV is less than 80% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9786771
|
||
|
1203658
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-06-18 14:28
|
2026-06-22 16:04
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received UDN - Due Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report or Undisclosed monitoring report dated within 10 business days of
closing. - Due Diligence Vendor-06/18/2026
|
Ready for Review-Condition document submitted - Seller-06/18/2026
|
Resolved-Received UDN - Due Diligence Vendor-06/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 728.
LTV is less than guideline maximum - Max LTV 80% and qualifying at 78.72%.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
9826426
|
||
|
1203658
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-06-17 12:49
|
2026-06-19 11:11
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/19/2026
Ready for Review-Condition document submitted - Seller-06/18/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,052.88.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1,052.88 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal
reduction in the amount of $1,052.88, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires
XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C
- Due Diligence Vendor-06/17/2026
|
Ready for Review-Condition document submitted - Seller-06/18/2026
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-06/19/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 728.
LTV is less than guideline maximum - Max LTV 80% and qualifying at 78.72%.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
9794848
|
||
|
1203723
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FVAL5524
|
2026-06-18 13:31
|
2026-07-13 15:25
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Eligibility
|
Ineligible Property
|
Waived-Originator exception granted to allow XXXX. Non-material waiver applied with comp factors. - Due Diligence Vendor-07/13/2026
Open-Per Section 4.02 Properties deemed unique or consisting of unique characteristics are ineligible. Subject is a XXXX home. - Due
Diligence Vendor-06/18/2026
|
Waived-Originator exception granted to allow XXXX home. Non-material waiver applied with comp factors. - Due Diligence Vendor-07/13/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual over $72K; minimum residual required $0
LTV is less than guideline maximum - Qualifying LTV 56.6%; max LTV 80%
Qualifying DTI below maximum allowed - Qualifying DTI 16.24%; max DTI 49.99%
|
- Low LTV
- Good residual
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
Yes
|
9824754
|
||
|
1203723
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1483
|
2026-06-18 13:53
|
2026-07-10 12:59
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 5 Does Not Meet Guideline Requirements
|
Resolved-Received Final Settlement Statement. - Due Diligence Vendor-07/10/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
Counter-Settlement state provided is not signed/acknowledge by the Settlement agent. Pending receipt of the Final Settlement Statement.
Additional Findings may apply. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Counter-HUD-1 for HELOC provided, which will be paid at closing of the departing residence. The purchase contract for the departing
residence states closing date of XXXX. Please provide the extension and evidence there is no financing contingencies as required by XXXX. - Due Diligence Vendor-06/29/2026
Ready for Review-Condition document submitted - Seller-06/26/2026
Counter-LOE from Title provided, please provide the Final Settlement Statement for the sale of 3A - Due Diligence Vendor-06/25/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
Open-Asset 5 Does Not Meet Guideline Requirements Missing final settlement statement from the sale of REO 3A. Statement provided shows the
Lender is TBD and is not acknowledged by the Settlement Agent. - Due Diligence Vendor-06/18/2026
|
Ready for Review-Condition document submitted - Seller-07/09/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Ready for Review-Condition document submitted - Seller-06/26/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
|
Resolved-Received Final Settlement Statement. - Due Diligence Vendor-07/10/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual over $72K; minimum residual required $0
LTV is less than guideline maximum - Qualifying LTV 56.6%; max LTV 80%
Qualifying DTI below maximum allowed - Qualifying DTI 16.24%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9825339
|
||
|
1203723
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-06-18 13:13
|
2026-06-25 17:23
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Received Survey and Survey Endorsement. - Due Diligence Vendor-06/25/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
Open-Property Title Issue Schedule B Part I #17 is subject to survey. Final CD shows a charge for a survey. Missing survey and updated
title showing any exclusions that will not be covered under the Loan Policy Survey endorsement. Additional findings may apply.
- Due Diligence Vendor-06/18/2026
|
Ready for Review-Condition document submitted - Seller-06/24/2026
|
Resolved-Received Survey and Survey Endorsement. - Due Diligence Vendor-06/25/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual over $72K; minimum residual required $0
LTV is less than guideline maximum - Qualifying LTV 56.6%; max LTV 80%
Qualifying DTI below maximum allowed - Qualifying DTI 16.24%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9824154
|
||
|
1208350
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FPRO1255
|
2026-06-18 15:51
|
2026-08-03 10:53
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
HOA Questionnaire Document is Missing
|
Resolved-Questionnaire provide showing no litigation and XXXX approved subject till XXXX. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire as required per Section
4.01(C )(d)(v), whether the project is engaged in pending litigation, if priority of common expense assessments meets XXXX requirements, and what ineligible project insurance feature(s) were approved by XXXX to ensure all other insurance
requirements are met as required per XX. Questionnaire may not reflect any other ineligible characteristics outside of project insurance. Additional findings may apply. - Due Diligence Vendor-06/18/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Questionnaire provide showing no litigation and XXXX approved subject till XXXX. - Due Diligence Vendor-07/06/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 37.5%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 778; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9828543
|
||
|
1208350
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FVAL5524
|
2026-06-18 15:51
|
2026-07-06 12:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Ineligible Property
|
Resolved-Questionnaire provide showing no litigation and XXXX approved subject till XXXX. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-CPM shows the project is XXXX approved due to not meeting project insurance requirements. Per Section 4.01(C )(c )(vi) A condominium
located in a project which received a XXXX approval that allows exceptions to the Agency’s published requirements is not eligible. CPM will not specify the process XXXX used to issue the approval but requires the same "T" designation as XXXX
when the project is Approved by XXXX in CPM. Additional findings may apply. - Due Diligence Vendor-06/18/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Questionnaire provide showing no litigation and XXXX approved subject till XXXX. - Due Diligence Vendor-07/06/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 37.5%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 778; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9828553
|
||
|
1208822
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCOM3666
|
2026-06-17 17:27
|
2026-06-22 12:07
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Closing
|
Loan Originator NMLS Status is Not Active
|
Resolved-Loan Originator NMLS Status is Active under XXXX since 2018. Finding Resolved. - Due Diligence Vendor-06/22/2026
Ready for Review-Condition document submitted - Seller-06/22/2026
Open-Loan Originator NMLS Status is Not Active Originator Status Not Listed for XXXX. Please provide documentation. - Due Diligence
Vendor-06/17/2026
|
Ready for Review-Condition document submitted - Seller-06/22/2026
|
Resolved-Loan Originator NMLS Status is Active under XXXX since 2018. Finding Resolved. - Due Diligence Vendor-06/22/2026
|
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 36.83%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 792.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9800920
|
||
|
1211155
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
||||||||||||||||||
|
1212694
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1480
|
2026-06-23 10:30
|
2026-07-08 10:38
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 2 Does Not Meet Guideline Requirements
|
Resolved-Received Access Letter. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Asset Record 2 Does Not Meet G/L Requirements XXXX guides 8.06 requires an access letter for ALL assets held jointly with a non
borrower. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received Access Letter. - Due Diligence Vendor-07/08/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 795 is more than 20 points higher than the
guideline min of 700
Qualifying DTI below maximum allowed - Qualifying DTI 39.67 is less than the guideline max of 45
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9888952
|
||
|
1212805
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1455
|
2026-06-23 14:34
|
2026-07-01 10:49
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 1 Less Than 2 Months Verified
|
Resolved-Received Asset 1 prior statement. - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-Asset 1 Less Than 2 Months Verified Provide an additional month of bank statement for XXXX. Additional conditions may apply, pending
review. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received Asset 1 prior statement. - Due Diligence Vendor-07/01/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 51.65%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 750.
Qualifying DTI below maximum allowed - Max DTI is 49.99%, Borrowers have 41.3%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9897007
|
||
|
1212805
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1456
|
2026-06-23 14:34
|
2026-07-01 10:49
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 2 Less Than 2 Months Verified
|
Resolved-Received Asset 2 prior statement. - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-Asset 2 Less Than 2 Months Verified Provide an additional month of bank statement for XXXX. Additional conditions may apply, pending
review. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received Asset 2 prior statement. - Due Diligence Vendor-07/01/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 51.65%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 750.
Qualifying DTI below maximum allowed - Max DTI is 49.99%, Borrowers have 41.3%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9897008
|
||
|
1212805
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1457
|
2026-06-23 14:34
|
2026-07-01 10:49
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 3 Less Than 2 Months Verified
|
Resolved-Received Asset 3 prior statement - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-Asset 3 Less Than 2 Months Verified Provide an additional month of bank statement for XXXX. Additional conditions may apply, pending
review. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received Asset 3 prior statement - Due Diligence Vendor-07/01/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 51.65%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 750.
Qualifying DTI below maximum allowed - Max DTI is 49.99%, Borrowers have 41.3%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9897009
|
||
|
1212805
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-06-23 14:08
|
2026-06-25 12:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-06/25/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report within 10 days prior to note date for Borrower 1. - Due Diligence
Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/24/2026
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-06/25/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 51.65%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 750.
Qualifying DTI below maximum allowed - Max DTI is 49.99%, Borrowers have 41.3%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9896149
|
||
|
1212805
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5783
|
2026-06-23 14:08
|
2026-06-25 12:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-06/25/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
Open-Borrower 2 Gap Credit Report is Missing Provide Gap credit report within 10 days prior to note date for Borrower 2. - Due Diligence
Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/24/2026
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-06/25/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 51.65%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 and qualifying at 750.
Qualifying DTI below maximum allowed - Max DTI is 49.99%, Borrowers have 41.3%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9896150
|
||
|
1212808
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-06-23 08:20
|
2026-07-14 11:37
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-After further review- The client provided a property history and XXXX report. There has only been 1 lien on the vacating home and
credit confirms this mtg was paid in full in XXXX. Deed & property card also in file. Departure residence has been free and clear of mortgage liens for last 12 months. - Due Diligence Vendor-07/14/2026
Counter-Property Record Card Property Search provided, however it does not include the history of Mortgages. Finding remains. - Due
Diligence Vendor-07/09/2026
Ready for Review-Condition document submitted - Seller-07/08/2026
Counter-Snip of transaction history provided, however the documentation provided does not document an as of date, in addition 7.14 of the
guidelines require a Property Report Card to clear this finding. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Counter-Satisfaction of Security Instrument provided, however the guidelines want a Property Report Card. Finding remains. - Due
Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Counter-Received rebuttal with fraud report. Per 7.14 of the guidelines a property report card is needed to support that it’s owned free
and clear. Finding remains. - Due Diligence Vendor-06/30/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
Counter-Per 7.14 of the guidelines a property report card is needed to support that it’s owned free and clear. Finding remains. - Due
Diligence Vendor-06/25/2026
Ready for Review-Please see page 344 of the closing package upload. This is the hazard for this property and it shows no mortgagee
listed. - Seller-06/24/2026
Open-Housing History Does Not Meet Guideline Requirements Missing property report required by Guideline Section 7.14 evidencing that
departure residence has been owned free and clear for last 12 months. Additional findings may apply. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-07/08/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
Ready for Review-Please see page 344 of the closing package upload. This is the hazard for this property and it shows no mortgagee
listed. - Seller-06/24/2026
|
Resolved-After further review- The client provided a property history and XXXX report. There has only been 1 lien on the vacating home and
credit confirms this mtg was paid in full in XXXX. Deed & property card also in file. Departure residence has been free and clear of mortgage liens for last 12 months. - Due Diligence Vendor-07/14/2026
|
Months Reserves exceed minimum required - $133,142.94 months reserves required and XXXX available.
Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 700 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9885720
|
||
|
1212808
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1202
|
2026-06-23 07:52
|
2026-07-02 12:48
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report Partially Provided
|
Resolved-After further review- the original fraud report was pulled on XXXX- complete report is in file. Lender confirmed the property
report doesn't get updated every time fraud is rerun. - Due Diligence Vendor-07/02/2026
Counter-Co-mingled partial fraud reports provided. Please provide a complete copy of the XXXX fraud report. - Due Diligence
Vendor-06/25/2026
Ready for Review-Condition document submitted - Seller-06/24/2026
Open-Third Party Fraud Report Partially Provided Missing a complete copy of the XXXX fraud report with consecutive pages in order. File
includes comingled pages of fraud reports from XXXX. Additional findings may apply. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/24/2026
|
Resolved-After further review- the original fraud report was pulled on XXXX- complete report is in file. Lender confirmed the property
report doesn't get updated every time fraud is rerun. - Due Diligence Vendor-07/02/2026
|
Months Reserves exceed minimum required - $133,142.94 months reserves required and XXXX available.
Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 700 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9885194
|
||
|
1212808
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1964
|
2026-06-23 08:51
|
2026-06-25 11:45
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing income documentation
|
Resolved-Upon further review, the income documentation was located in the loan file. - Due Diligence Vendor-06/25/2026
Ready for Review-Please see page 270 of the closing package upload. This is dated XXXX and is the start date. Pages 268-269 show this is
monthly. - Seller-06/24/2026
Open-Missing documentation for the organization providing the income confirming the initial start date required by XX Finding 12 and XX
Section B3-3.4-03 . Documentation in file states that there is no notification issued when recurring payments are started. - Due Diligence Vendor-06/23/2026
|
Ready for Review-Please see page 270 of the closing package upload. This is dated XXXX and is the start date. Pages 268-269 show this is
monthly. - Seller-06/24/2026
|
Resolved-Upon further review, the income documentation was located in the loan file. - Due Diligence Vendor-06/25/2026
|
Months Reserves exceed minimum required - $133,142.94 months reserves required and XXXX available.
Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 700 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9886203
|
||
|
1212808
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCOM0013
|
2026-06-22 13:26
|
2026-06-24 13:28
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/24/2026
Ready for Review-Good morning. Please see the e-sign process summary. Page 563 shows where the borrower gave consent. -
Seller-06/24/2026
Open-Missing e-Consent. Missing E consent, please provide. - Due Diligence Vendor-06/22/2026
|
Ready for Review-Good morning. Please see the e-sign process summary. Page 563 shows where the borrower gave consent. -
Seller-06/24/2026
|
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/24/2026
|
Months Reserves exceed minimum required - $133,142.94 months reserves required and $2,224,292.58 available.
Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 700 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9869256
|
||
|
1212984
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-06-23 05:13
|
2026-06-29 12:05
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received copy of check and LOE showing the lender credit on PCCD of $675 was actually a cure. Finding Resolved. - Due Diligence
Vendor-06/29/2026
Ready for Review-Document Uploaded. - Seller-06/26/2026
Counter-Provided PDF is corrupted/unable to load - Due Diligence Vendor-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $95.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $95.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the
amount of $95.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under
TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/23/2026
|
Ready for Review-Document Uploaded. - Seller-06/26/2026
Ready for Review-Condition document submitted - Seller-06/25/2026
|
Resolved-Received copy of check and LOE showing the lender credit on PCCD of $675 was actually a cure. Finding Resolved. - Due Diligence
Vendor-06/29/2026
|
Verified employment history exceeds guidelines - Borrower's employment tenure exceeds 9 years
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783 is more than 20 points higher than the
guideline min of 720
Qualifying DTI below maximum allowed - Qualifying DTI 41.17 is less than the guideline max of 49.99
Credit history exceeds minimum required - Borrower's oldest active tradeline reporting since 05/2016
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
9883026
|
||
|
1212984
|
XXXX
|
XXXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Closed
|
FCRE7375
|
2026-06-23 13:56
|
2026-06-24 10:26
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Borrower
|
XXXXhip Does Not Meet Guideline Requirements
|
Waived-Originator exception granted to allow non-permanent resident alien. Non-material waiver applied with comp factors. - Due Diligence
Vendor-06/24/2026
Open-Non Permanent Resident Aliens are not permitted in XXXX guidelines.
Exception is uploaded. - Due Diligence Vendor-06/23/2026
|
Waived-Originator exception granted to allow non-permanent resident alien. Non-material waiver applied with comp factors. - Due Diligence
Vendor-06/24/2026
|
Verified employment history exceeds guidelines - Borrower's employment tenure exceeds 9 years
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783 is more than 20 points higher than the
guideline min of 720
Qualifying DTI below maximum allowed - Qualifying DTI 41.17 is less than the guideline max of 49.99
Credit history exceeds minimum required - Borrower's oldest active tradeline reporting since 05/2016
|
Oldest tradeline 5/2016
9.5 years on the job
2 years and 10 months in current home
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
Yes
|
9895716
|
||
|
1214616
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
||||||||||||||||||
|
1214874
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
||||||||||||||||||
|
1215336
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-06-24 13:32
|
2026-07-02 10:39
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Gap Report. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-Borrower 1 Gap Credit Report is Missing Provide gap credit or undisclosed debt monitoring within 10 business days of closing. - Due
Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received Gap Report. - Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 76.81%
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 813.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9918050
|
||
|
1215336
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1316
|
2026-06-24 12:47
|
2026-07-02 10:37
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Resolved-Received VOE. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide updated third party verification of employment within 10 business days of
closing. - Due Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received VOE. - Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 76.81%
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 813.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9917046
|
||
|
1215336
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1301
|
2026-06-23 16:44
|
2026-06-23 16:44
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Home Loan Toolkit is Missing
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/23/2026
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/23/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 76.81%
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 813.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9900345
|
|||
|
1215354
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-06-24 17:00
|
2026-06-29 12:47
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Gap Credit Report. - Due Diligence Vendor-06/29/2026
Ready for Review-Condition document submitted - Seller-06/26/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-06/26/2026
|
Resolved-Received Gap Credit Report. - Due Diligence Vendor-06/29/2026
|
Credit history exceeds minimum required - Borrower has more than 3 tradelines reporting over 12 months history with no late payments.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 790 is more than 20 points higher than the
guideline min of 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9923688
|
||
|
1215354
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
finding-3939
|
2026-06-23 17:21
|
2026-06-29 10:33
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
ComplianceEase
|
TRID Rate Lock Disclosure Delivery Date Test
|
Resolved-Received locked LE XXXX. Finding Resolved. - Due Diligence Vendor-06/29/2026
Ready for Review-Condition document submitted - Seller-06/26/2026
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised
interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX and XXXX. ----- Provide LE or CD within
three business days after the interest rate was locked on XXXX. Additional findings may apply upon receipt. Statute of Limitations 1 years; Expiration date: XXXX
- Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/26/2026
|
Resolved-Received locked LE XXXX. Finding Resolved. - Due Diligence Vendor-06/29/2026
|
Credit history exceeds minimum required - Borrower has more than 3 tradelines reporting over 12 months history with no late payments.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 790 is more than 20 points higher than the
guideline min of 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9900877
|
||
|
1215354
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCOM0013
|
2026-06-23 16:54
|
2026-06-29 10:28
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/29/2026
Ready for Review-Condition document submitted - Seller-06/26/2026
Open-Missing e-Consent. Missing e-Consent in File, please provide - Due Diligence Vendor-06/23/2026
|
Ready for Review-Condition document submitted - Seller-06/26/2026
|
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-06/29/2026
|
Credit history exceeds minimum required - Borrower has more than 3 tradelines reporting over 12 months history with no late payments.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 790 is more than 20 points higher than the
guideline min of 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9900496
|
||
|
1215354
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCOM1301
|
2026-06-23 16:54
|
2026-06-23 16:54
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Home Loan Toolkit is Missing
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/23/2026
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/23/2026
|
Credit history exceeds minimum required - Borrower has more than 3 tradelines reporting over 12 months history with no late payments.
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 790 is more than 20 points higher than the
guideline min of 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9900495
|
|||
|
1216200
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1324
|
2026-06-24 17:03
|
2026-07-02 12:29
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Borrower 1 Tax Returns Not Signed
|
Resolved-Received signed tax returns. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-Borrower 1 Tax Returns Not Signed Provide Signed Tax Returns. - Due Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Received signed tax returns. - Due Diligence Vendor-07/02/2026
|
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 29.20%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 810.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9923723
|
||
|
1216200
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7806
|
2026-06-24 17:03
|
2026-07-02 12:29
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Bank Statement Summary/Lender Worksheet is Missing
|
Resolved-Received b1 Income worksheet - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender Income worksheet for all income used in this
transaction for XXXX. - Due Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received b1 Income worksheet - Due Diligence Vendor-07/01/2026
|
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 29.20%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 810.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9923726
|
||
|
1216200
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7807
|
2026-06-24 17:03
|
2026-07-02 12:29
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Bank Statement Summary/Lender Worksheet is Missing
|
Resolved-Received B2 income worksheet - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Provide Lender Income worksheet for all income used in this
transaction for XXXX. - Due Diligence Vendor-06/24/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
|
Resolved-Received B2 income worksheet - Due Diligence Vendor-07/01/2026
|
Qualifying DTI below maximum allowed - Max DTI 45% and qualifying at 29.20%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 810.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9923727
|
||
|
1216288
|
XXXX
|
XXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Closed
|
FPRO1257
|
2026-06-25 08:41
|
2026-07-29 15:49
|
Waived
|
2 - Non-Material
|
C
|
B
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Waived-Client provided a waiver for Desk Review Vendor not approved, applied to non-material finding as CCA product is an acceptable
securitization product for secondary value. - Due Diligence Vendor-07/29/2026
Ready for Review-Document Uploaded. please see attached form we are going to accept the CDA report provided - Seller-07/01/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing a Collateral Desk Analysis (CDA)
from XXXX required by Guideline Section 5.03. CU score in file is 4.5. File included a Consolidated Collateral Analysis (CCA) completed by XXXX, which is not listed as an eligible secondary valuation product. Additional findings may apply.
- Due Diligence Vendor-06/25/2026
|
Ready for Review-Document Uploaded. please see attached form we are going to accept the CDA report provided - Seller-07/01/2026
|
Waived-Client provided a waiver for Desk Review Vendor not approved, applied to non-material finding as CCA product is an acceptable
securitization product for secondary value. - Due Diligence Vendor-07/29/2026
|
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 24 months
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 7+ Years – Minimum = 2 Years
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Investor Post-Close
|
No
|
9933275
|
||
|
1216288
|
XXXX
|
XXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Closed
|
FCRE1192
|
2026-06-25 09:57
|
2026-07-08 14:31
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Audited Reserves are less than AUS Required Reserves (Number of Months)
|
Resolved-Received updated XX including the borrowers Mutual Fund account. Audited Reserves of 18.46 month(s) are greater than or equal to
AUS Required Reserves of 12 month(s) - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Open-Audited Reserves of 5.44 month(s) are less than AUS Required Reserves of 12 month(s) Verified assets in file are not sufficient to
cover 12 months reserves ($117,888) - Due Diligence Vendor-06/26/2026
|
Ready for Review-Condition document submitted - Seller-07/02/2026
|
Resolved-Received updated XX including the borrowers Mutual Fund account. Audited Reserves of 18.46 month(s) are greater than or equal to
AUS Required Reserves of 12 month(s) - Due Diligence Vendor-07/07/2026
|
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 24 months
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 7+ Years – Minimum = 2 Years
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9934881
|
||
|
1216288
|
XXXX
|
XXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Closed
|
FCRE1206
|
2026-06-25 09:33
|
2026-07-06 10:32
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
All Interested Parties Not Checked with Exclusionary Lists
|
Resolved-Upon further review the Fraud Report included All Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists. Borrowers,
sellers, originator, real estate agents (buying/selling), processor, underwriter, closer, attorneys, title company and title agent are missing. Additional findings may apply. - Due Diligence Vendor-06/25/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Upon further review the Fraud Report included All Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-07/06/2026
|
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 24 months
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 7+ Years – Minimum = 2 Years
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9934421
|
||
|
1216989
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-25 14:35
|
2026-07-07 08:36
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/07/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for clarification regarding
potential purchase of additional property (impacts DTI and assets).
- Due Diligence Vendor-06/25/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/07/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.36%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 811; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9941747
|
|||
|
1216989
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE9500
|
2026-06-25 14:31
|
2026-07-07 08:32
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Letter of Explanation (Assets)
|
Resolved-Sufficient documentation provided - Due Diligence Vendor-07/07/2026
Ready for Review-Due to the nature of the Borrower's position and that the deposits do not exceed 50% of the loan amount we are unsure as
to the reason for this condition. Can you please provide more clarity or the guideline you are referencing to help explain? - Seller-07/06/2026
Counter-Received release of prior purchase contract. Missing clarification of employer non payroll deposits made 4/27 and 4/29 into XXXX
- Due Diligence Vendor-06/30/2026
Ready for Review-Document Uploaded. The file contains an email from the borrower to the loan processor telling her that they will obtain a
copy of the release from the contract on the property at XXXX which fell through. The Mutual Release of Purchase and Sale and a copy of the wire refunding their $5,000 EM. is also included. The borrower is a highly paid
executive of his company and is being relocated at the company's expense as reflected in his $15,000 relocation assistance. It is reasonable to expect he would occasionally be reimbursed by them for expenses and an explanation for the
deposits of $142.10 and $564.04 was not required. Please clear this condition. - Seller-06/29/2026
Open-Missing letter of explanation for EMD for additional property on 04/10 and for additional non-payroll payments from the borrower's
employer on 04/27 and 04/29. Additional findings may apply. - Due Diligence Vendor-06/25/2026
|
Ready for Review-Due to the nature of the Borrower's position and that the deposits do not exceed 50% of the loan amount we are unsure as
to the reason for this condition. Can you please provide more clarity or the guideline you are referencing to help explain? - Seller-07/06/2026
Ready for Review-Document Uploaded. The file contains an email from the borrower to the loan processor telling her that they will obtain
a copy of the release from the contract on the property at XXXX which fell through. The Mutual Release of Purchase and Sale and a copy of the wire refunding their $5,000 EM. is also included. The borrower is a XXXX of his
company and is being relocated at the company's expense as reflected in his $15,000 relocation assistance. It is reasonable to expect he would occasionally be reimbursed by them for expenses and an explanation for the deposits of $142.10 and
$564.04 was not required. Please clear this condition. - Seller-06/29/2026
|
Resolved-Sufficient documentation provided - Due Diligence Vendor-07/07/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.36%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 811; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9941698
|
||
|
1216989
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE0044
|
2026-06-25 14:33
|
2026-07-01 11:17
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Received LOE. - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/30/2026
Counter-Received inquiry LOE however it does not address XXXX or XXXX inquiries. Please address original finding. - Due Diligence
Vendor-06/30/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiries with XXXX on 04/14 and XXXX on 05/18.
(Borrowers bank statements show another EMD paid for a different property on 04/10 in a neighboring city.) Additional findings may apply. - Due Diligence Vendor-06/25/2026
|
Ready for Review-Condition document submitted - Seller-06/30/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
|
Resolved-Received LOE. - Due Diligence Vendor-07/01/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.36%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 811; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9941721
|
||
|
1216989
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM1302
|
2026-06-24 19:06
|
2026-06-24 19:06
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Disclosure
|
Home Loan Toolkit Not Provided Within 3 Days of Application Date
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). ORIGINATOR WAIVER
APPLIED TO NON-MATERIAL FINDING - Due Diligence Vendor-06/24/2026
|
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). ORIGINATOR WAIVER
APPLIED TO NON-MATERIAL FINDING - Due Diligence Vendor-06/24/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.36%; max DTI 49.99%
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 811; minimum required FICO 720
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9924754
|
|||
|
1217891
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-29 09:58
|
2026-07-01 10:02
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/01/2026
Ready for Review-Document Uploaded. please see attached documentation to clear - Seller-06/29/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide documentation to support the
additional $118 HOA (or other) expense for property 3a as stated on 1003. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Document Uploaded. please see attached documentation to clear - Seller-06/29/2026
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/01/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 755 is more than 20 points higher than the
guideline min of 700
Qualifying DTI below maximum allowed - Qualifying DTI 34.41 is less than the guideline max of 45
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9978545
|
||
|
1217891
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-06-26 14:20
|
2026-07-01 10:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received HOA verification - Due Diligence Vendor-07/01/2026
Ready for Review-Document Uploaded. please see attached HOA documentation - Seller-06/29/2026
Open-Provide documentation to support the additional $118 HOA (or other) expense for property 3a as stated on 1003. - Due Diligence
Vendor-06/26/2026
|
Ready for Review-Document Uploaded. please see attached HOA documentation - Seller-06/29/2026
|
Resolved-Received HOA verification - Due Diligence Vendor-07/01/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 755 is more than 20 points higher than the
guideline min of 700
Qualifying DTI below maximum allowed - Qualifying DTI 34.41 is less than the guideline max of 45
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9960850
|
||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-26 14:56
|
2026-07-15 11:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit finding have been resolved. - Due Diligence Vendor-07/15/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for co-signed debt obligation and
evidence the departing residence is free and clear.
- Due Diligence Vendor-06/26/2026
|
Resolved-Credit finding have been resolved. - Due Diligence Vendor-07/15/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9962153
|
|||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1254
|
2026-06-26 14:04
|
2026-07-15 11:45
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Title
|
Property Title Issue
|
Resolved-Received confirmation from title stating - We can confirm that the survey required by title (Schedule B Section 1 #4(1)(h)) did
not yield exceptions that will not be covered by the loan policy. - Due Diligence Vendor-07/15/2026
Ready for Review-Condition document submitted - Seller-07/14/2026
Open-Property Title Issue Missing title confirmation that the survey required by title per Schedule B Section 1 #4(1)(h) did not yield
exceptions that will not be covered by the loan policy. Additional findings may apply. - Due Diligence Vendor-06/26/2026
|
Ready for Review-Condition document submitted - Seller-07/14/2026
|
Resolved-Received confirmation from title stating - We can confirm that the survey required by title (Schedule B Section 1 #4(1)(h)) did
not yield exceptions that will not be covered by the loan policy. - Due Diligence Vendor-07/15/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9960430
|
||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-06-26 14:50
|
2026-07-13 11:33
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Property Detail Report reflect free and clear > 12 months. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Counter-Please provide a copy of the Property Report Card as evidence as free and clear for the passed 12 months as required per Section
7.14 of the guidelines. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Open-Housing History Does Not Meet Guideline Requirements Missing property report card/profile to support that the borrower's departing
residence (REO 3A) has been owned free and clear for the most recent 12-months as required per Section 7.14. Additional findings may apply. - Due Diligence Vendor-06/26/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
|
Resolved-Received Property Detail Report reflect free and clear > 12 months. - Due Diligence Vendor-07/13/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9961881
|
||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0970
|
2026-06-26 14:22
|
2026-07-13 11:32
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Appraisal has issues (credit)
|
Resolved-Received revised appraisal, Appraiser states permits have been obtained. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Counter-Appraisal reflects recent updates, appraiser to comment and verify the improvement were legally done. - Due Diligence
Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Seller's Property Disclosure made to the subject property. Per Section 1.01 Unpermitted additions are not eligible. Per Section 5.07
unpermitted additions may not be included in the GLA, appraiser must comment the improvements were legally done, and appraiser must comment on the quality and appearance of the work and its impact on the market value of the subject property.
Additional findings may apply. - Due Diligence Vendor-06/26/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received revised appraisal, Appraiser states permits have been obtained. - Due Diligence Vendor-07/13/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9960885
|
||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0075
|
2026-06-29 10:31
|
2026-07-08 13:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration
|
Resolved-Received evidence, the obligation was included in the DTI at origination. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Per Final 1003 and Final DU,
B2 disclosed co-signer status on a debt not identified on the credit report, which reflects only authorized user status. Missing documentation of the debt and payment history. Debt must be included in DTI unless 12-month canceled checks or
bank statements from the co-obligor demonstrate no delinquent payment history. Additional findings may apply. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/07/2026
|
Resolved-Received evidence, the obligation was included in the DTI at origination. - Due Diligence Vendor-07/08/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9979014
|
||
|
1218316
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1964
|
2026-06-26 14:41
|
2026-07-07 12:44
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing income documentation
|
Resolved-Upon further review, income documentation appears to be sufficient. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Missing employer explanations for: (1) 2025 W2 wage gap—gross income $142,807.39 vs Social/Medicare $161,557.26 with no documented
employer benefits; XXXX income exceptionally high for 2-month employment period; (2) wage gap between 2024 W2—XXXX $311,280.22 vs XXXX $246,418.59; (3) XXXX income not used towards qualifying but inconsistencies identified on 2025 and 2024
W2s with the potential borrower ownership interest require explanation. (4) Additional findings may apply. - Due Diligence Vendor-06/26/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Upon further review, income documentation appears to be sufficient. - Due Diligence Vendor-07/07/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 43.70%; max DTI 49.99%
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,749.89; minimum residual required $0
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9961728
|
||
|
1218720
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
||||||||||||||||||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-06-26 12:37
|
2026-07-29 13:41
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Resolved-Upon further review, finding is resolved - Due Diligence Vendor-07/29/2026
Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly.
Additional Findings may apply upon receipt.
- Due Diligence Vendor-06/26/2026
|
Resolved-Upon further review, finding is resolved - Due Diligence Vendor-07/29/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9958838
|
|||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE0044
|
2026-06-27 03:59
|
2026-07-01 10:17
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
File does not contain LOX for credit inquiries
|
Resolved-Received LOE. - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
Open-LOX for credit inquiries is missing. Missing LOX for the 05/30/2026 inquiry. Additional findings may apply. - Due Diligence
Vendor-06/27/2026
|
Ready for Review-Condition document submitted - Seller-06/29/2026
|
Resolved-Received LOE. - Due Diligence Vendor-07/01/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9970503
|
||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-06-29 18:46
|
2026-07-01 10:15
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-07/01/2026
Ready for Review-Condition document submitted - Seller-06/29/2026
Open-Borrower 1 Gap Credit Report is Missing Missing a credit refresh (gap report/debt monitoring) for both borrowers completed no more
than 10 days prior to the Note date. Additional findings may apply. It should be noted that although the file reflects that the fraud report contains a section for Loan Safe Connect Review Status with UDM in progress, an applicable credit
monitoring section (supporting that the monitoring is in place) was missing from the file. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-06/29/2026
|
Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-07/01/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9988775
|
||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1124
|
2026-06-26 12:26
|
2026-06-29 18:06
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 1 Final Signature Date is in the future
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding -
Due Diligence Vendor-06/26/2026
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding -
Due Diligence Vendor-06/26/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9958603
|
|||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1125
|
2026-06-26 12:26
|
2026-06-29 18:06
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 2 Final Signature Date is in the future
|
Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding -
Due Diligence Vendor-06/26/2026
|
Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding -
Due Diligence Vendor-06/26/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9958604
|
|||
|
1219435
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1301
|
2026-06-26 12:37
|
2026-06-26 23:47
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Home Loan Toolkit is Missing
|
Waived-The Home Loan Toolkit disclosure is missing. -----Missing Home Loan Toolkit. Originator waiver applied to non material Findings. -
Due Diligence Vendor-06/26/2026
|
Waived-The Home Loan Toolkit disclosure is missing. -----Missing Home Loan Toolkit. Originator waiver applied to non material Findings. -
Due Diligence Vendor-06/26/2026
|
LTV is less than guideline maximum - 61.03% LTV is less than 80% maximum.
Qualifying DTI below maximum allowed - 31.21% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9958837
|
|||
|
1219436
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-27 06:31
|
2026-07-08 10:22
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/08/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing evidence that XXXX and XXXX were
paid in full required by XX Finding XXXX.
2. Missing verification of PITIA for REO 3b. - Due Diligence Vendor-06/27/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/08/2026
|
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 32+ Years – Minimum = 2 Years
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 68 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
9970597
|
|||
|
1219436
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4963
|
2026-06-27 05:37
|
2026-07-08 10:21
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Debt
|
No evidence of required debt payoff
|
Resolved-Received revised AUS, debt was included and Finding XXXX has been updated to reflect only the subject property mortgage paid at
close. - Due Diligence Vendor-07/08/2026
Ready for Review-Document Uploaded. Per XX findings, 1003, and 1008 this debt was paid in full at closing as this is a refinance and the
XXXX is the mtg on the subject property. Please clear this condition. - Seller-07/08/2026
Counter-1003 and XX provided, Please provide the documentation to support the omission of XXXX - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Missing evidence that XXXX and XXXXs were paid in full required by XX Finding XXXX. Additional findings may apply since the payments
were excluded from DTI. - Due Diligence Vendor-06/27/2026
|
Ready for Review-Document Uploaded. Per XX findings, 1003, and 1008 this debt was paid in full at closing as this is a refinance and the
XXXX is the mtg on the subject property. Please clear this condition. - Seller-07/08/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received revised AUS, debt was included and Finding XXXX has been updated to reflect only the subject property mortgage paid at
close. - Due Diligence Vendor-07/08/2026
|
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 32+ Years – Minimum = 2 Years
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 68 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
9970563
|
||
|
1219436
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-06-27 05:39
|
2026-07-07 15:28
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received PITIA - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Missing verification of PITIA for REO 3b. Additional findings may apply and DTI may require recalculation since Audit used the 1003
payment to qualify. - Due Diligence Vendor-06/27/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received PITIA - Due Diligence Vendor-07/07/2026
|
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 32+ Years – Minimum = 2 Years
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 68 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
9970565
|
||
|
1219804
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-29 05:04
|
2026-07-07 10:33
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Housing History has been resolved. - Due Diligence Vendor-07/07/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing complete 24-month rental history for
first time homebuyers required by Guideline Section 7.15. File included evidence of rent payments from XXXX (20 months). - Due Diligence Vendor-06/29/2026
|
Resolved-Housing History has been resolved. - Due Diligence Vendor-07/07/2026
|
Credit history exceeds minimum required - Credit History = 236 Months Minimum Credit History = 12 Months
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $22,541.06; minimum required NONE
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9975282
|
|||
|
1219804
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-06-29 04:52
|
2026-07-07 10:31
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received 24+ months of payment history. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/03/2026
Open-Housing History Does Not Meet Guideline Requirements Missing complete 24-month rental history for first time homebuyers required by
Guideline Section 7.15. File included evidence of rent payments from XXXX (20 months). - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/03/2026
|
Resolved-Received 24+ months of payment history. - Due Diligence Vendor-07/07/2026
|
Credit history exceeds minimum required - Credit History = 236 Months Minimum Credit History = 12 Months
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income -
Qualifying residual income = $22,541.06; minimum required NONE
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9975226
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE7806
|
2026-06-29 15:03
|
2026-07-23 14:25
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Bank Statement Summary/Lender Worksheet is Missing
|
Resolved-Lender provided a cashflow analysis - Due Diligence Vendor-07/23/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Please see the updated AUS findings for the other condition. - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Counter-Please provide a cashflow analysis for XXXX as required by #17 of the AUS. Client used business income loss. - Due Diligence
Vendor-07/22/2026
Ready for Review-Please waive this condition, as this is the XXXX stmt for this account. It was OPENED on XXXX. - Seller-07/20/2026
Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing AUS requires cash flow analysis, not just a wage analysis. - Due
Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Please see the updated AUS findings for the other condition. - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Please waive this condition, as this is the XXXX stmt for this account. It was OPENED on XXXX. - Seller-07/20/2026
|
Resolved-Lender provided a cashflow analysis - Due Diligence Vendor-07/23/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9985333
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-29 15:34
|
2026-07-23 14:24
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Lender provided a cashflow analysis. - Due
Diligence Vendor-07/23/2026
Ready for Review-The findings had to be uploaded to the other condition. - Seller-07/22/2026
Ready for Review-I could not upload the income worksheet to this condition. It is attached to the bank stmt condition, as that also had
comments on the cash flow analysis. - Seller-07/22/2026
Ready for Review-The cash-flow analysis was provided yesterday 7/21/26. However, I have uploaded an addl version for your review. Please
clear this condition asap. Thanks! - Seller-07/22/2026
Counter-Lender re-calculated income post close. Please provide a revised AUS reflecting the business income loss. Additional findings
may apply. - Due Diligence Vendor-07/22/2026
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Loan is missing income documentation. - Due
Diligence Vendor-06/29/2026
|
Ready for Review-The findings had to be uploaded to the other condition. - Seller-07/22/2026
Ready for Review-I could not upload the income worksheet to this condition. It is attached to the bank stmt condition, as that also had
comments on the cash flow analysis. - Seller-07/22/2026
Ready for Review-The cash-flow analysis was provided yesterday 7/21/26. However, I have uploaded an addl version for your review. Please
clear this condition asap. Thanks! - Seller-07/22/2026
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Lender provided a cashflow analysis. - Due
Diligence Vendor-07/23/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986171
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE8887
|
2026-06-29 15:18
|
2026-07-22 10:45
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing or Incomplete 1003
|
Resolved-Received revised 1003 - Due Diligence Vendor-07/22/2026
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
Open-1003 provided states borrower has been renting at present address for 3 years, however there is a letter in file stating the borrower
has been living at the same residence rent free for 1 year. 1003 should be updated to show correct current housing status and to reflect a complete 2 year history. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
|
Resolved-Received revised 1003 - Due Diligence Vendor-07/22/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9985648
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1326
|
2026-06-29 15:03
|
2026-07-22 10:38
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 YTD Profit & Loss Missing
|
Resolved-Received P&L - Due Diligence Vendor-07/22/2026
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
Ready for Review-Condition document submitted - Seller-07/20/2026
Open-Borrower 1 YTD Profit & Loss Missing Borrower 1 YTD Profit & Loss for XXXX Missing, required per guidelines. - Due
Diligence Vendor-06/29/2026
|
Ready for Review-Please see the attached uploaded P&L, CPA LOE, Updated 1008/URLA & the Income Calc for your review. -
Seller-07/20/2026
Ready for Review-Condition document submitted - Seller-07/20/2026
|
Resolved-Received P&L - Due Diligence Vendor-07/22/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9985332
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1185
|
2026-06-29 15:36
|
2026-07-22 10:31
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
AUS Partially Provided
|
Resolved-Upon further review, new AUS is not required. - Due Diligence Vendor-07/02/2026
Ready for Review-Document Uploaded. Should no longer be needed as assets on 1003 are accurate please see asset condition -
Seller-07/01/2026
Open-AUS Partially Provided AUS will need to be rerun once assets are updated. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Document Uploaded. Should no longer be needed as assets on 1003 are accurate please see asset condition -
Seller-07/01/2026
|
Resolved-Upon further review, new AUS is not required. - Due Diligence Vendor-07/02/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986190
|
||
|
1220470
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1457
|
2026-06-30 14:34
|
2026-07-02 11:34
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 3 Less Than 2 Months Verified
|
Resolved-Upon further review, XXXX is a new account and source of the deposit was provied. - Due Diligence Vendor-07/02/2026
Ready for Review-Document Uploaded. Account was opened on XXXX and most recent statment was provided. Funds to open account came from
their other XX acct. Balance used on that XX acct is after those funds were transfered and transfer was sufficiently documented. Assets used on 1003 are accurate. please clear the condition
- Seller-07/01/2026
Open-Asset 3 Less Than 2 Months Verified Account ending XXXX- Please provide a verification of deposit or bank statements covering a
two-month period. Additional conditions may apply. - Due Diligence Vendor-06/30/2026
|
Ready for Review-Document Uploaded. Account was opened on XXXX and most recent statment was provided. Funds to open account came from
their other XX acct. Balance used on that XX acct is after those funds were transfered and transfer was sufficiently documented. Assets used on 1003 are accurate. please clear the condition
- Seller-07/01/2026
|
Resolved-Upon further review, XXXX is a new account and source of the deposit was provied. - Due Diligence Vendor-07/02/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 17.91 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 804 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10006788
|
||
|
1222307
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-06-30 05:30
|
2026-07-02 11:30
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Lender provided an acceptable LOE which is support by the WVOE. - Due Diligence Vendor-07/02/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing employer confirmation that XXXX (Y)
and XXXX (X) noted on paystub is bonus income. Additional findings may apply since Audit used these amounts used by lender to qualify because XXXX did not provide a breakdown of bonus income. - Due Diligence Vendor-06/30/2026
|
Resolved-Lender provided an acceptable LOE which is support by the WVOE. - Due Diligence Vendor-07/02/2026
|
Credit history exceeds minimum required - Credit History = 380 Months Minimum Credit History = 12 Months
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 32+ Years – Minimum = 2 Years
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9994687
|
|||
|
1222307
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE6737
|
2026-06-30 04:45
|
2026-07-02 11:28
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Letter of Explanation (Income)
|
Resolved-Upon further review, no further documentation is required. - Due Diligence Vendor-07/02/2026
Ready for Review-I would take this income without anything additional from the employer. The Borrower is a XXXX. He has both
differential and negotiated earnings in addition to his regular income. This is super standard for this job type and allows for the XXXX to stay competitive in drawing in XXXX not eligible for the tenure track. The WVOE supports the receipt
of this income for the past 2 years. Client using most conservative income calc for this income. - Seller-07/01/2026
Open-Missing employer confirmation that XXXX noted on paystub is bonus income. Additional findings may apply since Audit used these
amounts used by lender to qualify because XXXX did not provide a breakdown of bonus income. - Due Diligence Vendor-06/30/2026
|
Ready for Review-I would take this income without anything additional from the employer. The Borrower is a XXXX. He has both
differential and negotiated earnings in addition to his regular income. This is super standard for this job type and allows for the XXXX to stay competitive in drawing in XXXX eligible for the tenure track. The WVOE supports the receipt of
this income for the past 2 years. Client using most conservative income calc for this income. - Seller-07/01/2026
|
Resolved-Upon further review, no further documentation is required. - Due Diligence Vendor-07/02/2026
|
Credit history exceeds minimum required - Credit History = 380 Months Minimum Credit History = 12 Months
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 32+ Years – Minimum = 2 Years
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9994433
|
||
|
1222427
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1202
|
2026-06-30 20:03
|
2026-07-10 11:22
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Third Party Fraud Report Partially Provided
|
Resolved-Received Fraud Report with all interested parties including in the Search - Due Diligence Vendor-07/10/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
Counter-Full Fraud report and Alert Summary's provided, however the Fraud Report did not include the Title Company/Agent, Seller Real
Estate Company/Agent and Sellers Attorney in the searches. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Third Party Fraud Report Partially Provided Fraud report dated XXXX provided in loan file states "this is not a Full XXXX Report" at
the top and shows "In Progress" under Fraud Alerts. Missing full fraud report. Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/09/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received Fraud Report with all interested parties including in the Search - Due Diligence Vendor-07/10/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 774; minimum required FICO 720
Qualifying DTI below maximum allowed - Rule False Qualifying DTI 41.84%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10011580
|
||
|
1222427
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE7000
|
2026-06-30 19:39
|
2026-07-06 14:04
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Required forms/disclosures missing
|
Resolved-Received AIR Cert. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Open-Missing AIR Cert and Appraisal Invoice. (No AMC.)
- Due Diligence Vendor-06/30/2026
|
Ready for Review-Condition document submitted - Seller-07/02/2026
|
Resolved-Received AIR Cert. - Due Diligence Vendor-07/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 774; minimum required FICO 720
Qualifying DTI below maximum allowed - Rule False Qualifying DTI 41.84%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10011194
|
||
|
1222427
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1231
|
2026-06-29 15:55
|
2026-07-06 09:58
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
The Initial 1003 is Missing
|
Resolved-Received copy of document tracking showing application was generated XXXX. Finding Resolved. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Open-The Initial 1003 is Missing Initial application date of XXXX is dated after Issuance of Initial LE which is XXXX, which cannot be the
case. Please clarify application date. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/02/2026
|
Resolved-Received copy of document tracking showing application was generated XXXX. Finding Resolved. - Due Diligence Vendor-07/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 774; minimum required FICO 720
Qualifying DTI below maximum allowed - Rule False Qualifying DTI 41.84%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986478
|
||
|
1222743
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-06-29 15:45
|
2026-07-02 08:57
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase
for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under
§1026.19(e)(1)(i). ----- Rounding - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 57.70%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 808.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986346
|
||
|
1222743
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3631
|
2026-06-29 15:45
|
2026-07-02 08:57
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Points & Fees
|
Reimbursement Amount Validation Test
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open------ Addressed in related finding - Due Diligence Vendor-06/29/2026
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a
reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 57.70%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 808.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986347
|
||
|
1222743
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3632
|
2026-06-29 15:45
|
2026-07-02 08:57
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Consummation or Reimbursement Date Validation Test
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open------ Addressed in related finding - Due Diligence Vendor-06/29/2026
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide
either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence
Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - Max LTV is 80% and qualifying at 57.70%.
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 and qualifying at 808.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9986348
|
||
|
1222951
|
XXXX
|
XXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-06-29 16:16
|
2026-07-08 12:22
|
Waived
|
2 - Non-Material
|
D
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings
- Due Diligence Vendor-06/29/2026
|
Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings
- Due Diligence Vendor-06/29/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 36.89 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 772 is more than 20 points higher than the
guideline min of 680
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
9986737
|
|||
|
1222951
|
XXXX
|
XXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3532
|
2026-06-29 16:43
|
2026-07-02 08:00
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Initial Closing Disclosure Delivery Date Test
|
Resolved-Received copy of E Signed CD. Finding Resolved. - Due Diligence Vendor-07/02/2026
Ready for Review-Condition document submitted - Seller-07/01/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii)
)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is
less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and
the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public
holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no
later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3
years- Expiration date is XXXX. - Due Diligence Vendor-06/29/2026
|
Ready for Review-Condition document submitted - Seller-07/01/2026
|
Resolved-Received copy of E Signed CD. Finding Resolved. - Due Diligence Vendor-07/02/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 36.89 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 772 is more than 20 points higher than the
guideline min of 680
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9987199
|
||
|
1223118
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-01 06:59
|
2026-07-06 12:58
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/06/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of HOA for REO 3b. If
applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - 764 FICO exceeds 700 minimum required.
Qualifying DTI below maximum allowed - 18.26% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10017624
|
|||
|
1223118
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE7497
|
2026-07-01 06:02
|
2026-07-06 12:57
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received documentation to support no HOA. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Open-Missing verification of HOA for REO 3b. If applicable, monthly assessment to be included and DTI recalculated. Additional findings
may apply. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/02/2026
|
Resolved-Received documentation to support no HOA. - Due Diligence Vendor-07/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - 764 FICO exceeds 700 minimum required.
Qualifying DTI below maximum allowed - 18.26% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10017054
|
||
|
1223118
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-06-30 09:10
|
2026-07-06 10:05
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received COC for increase in loan amount, changing title fees. Finding Resolved. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/02/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $755.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $755.75 (Lender's Title Insurance Policy & Title Endorsement Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund
to borrower or principal reduction in the amount of $755.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days
of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/30/2026
|
Ready for Review-Condition document submitted - Seller-07/02/2026
|
Resolved-Received COC for increase in loan amount, changing title fees. Finding Resolved. - Due Diligence Vendor-07/06/2026
|
Qualifying FICO score is at least 20 points above minimum for program - 764 FICO exceeds 700 minimum required.
Qualifying DTI below maximum allowed - 18.26% DTI is less than 45% maximum.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
9999279
|
||
|
1223964
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-01 13:47
|
2026-07-20 09:54
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit Finding have been resolved. - Due Diligence Vendor-07/20/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for ownership interest and proof REO
3B has been owned free and clear.
- Due Diligence Vendor-07/01/2026
|
Resolved-Credit Finding have been resolved. - Due Diligence Vendor-07/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780; minimum required FICO 720
Qualifying DTI below maximum allowed - Qualifying DTI 32.45%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10026665
|
|||
|
1223964
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE4805
|
2026-07-01 11:33
|
2026-07-20 09:42
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Trust/POA Does Not Meet Guideline Requirements
|
Resolved-Received signed Notarized Certification of Trust. - Due Diligence Vendor-07/20/2026
Ready for Review-Condition document submitted - Seller-07/16/2026
Open-Trust/POA Does Not Meet Guideline Requirements Trust agreement received. Per Section 2.04 missing executed and notarized certificate
of trust. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/16/2026
|
Resolved-Received signed Notarized Certification of Trust. - Due Diligence Vendor-07/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780; minimum required FICO 720
Qualifying DTI below maximum allowed - Qualifying DTI 32.45%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10024291
|
||
|
1223964
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE0970
|
2026-07-01 12:14
|
2026-07-13 12:55
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Appraisal has issues (credit)
|
Resolved-Received updated Appraisal, appraiser commented on the GLA and Maintenance Agreement. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open-(1) Per Section 1.01, unpermitted additions are not eligible. Per Section 5.07, unpermitted additions may not be included in GLA;
appraiser must comment improvements were legally done and assess quality, appearance, and market value impact. Bedroom above garage does not appear to be included in GLA reported on public records (LCA supports discrepancy). (2) Title shows
private maintenance agreement for subject but appraiser does not note. (3) Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received updated Appraisal, appraiser commented on the GLA and Maintenance Agreement. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780; minimum required FICO 720
Qualifying DTI below maximum allowed - Qualifying DTI 32.45%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10025009
|
||
|
1223964
|
XXXX
|
XXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1440
|
2026-07-01 13:19
|
2026-07-13 12:53
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Received Property Report Card for 3B - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open-Housing History Does Not Meet Guideline Requirements Missing property report card for REO 3B to support that it’s owned free and
clear for the most recent 12-months as required per Section 7.14. Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received Property Report Card for 3B - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 780; minimum required FICO 720
Qualifying DTI below maximum allowed - Qualifying DTI 32.45%; max DTI 49.99%
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10026174
|
||
|
1224128
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
C
|
A
|
Closed
|
FCRE1506
|
2026-07-01 12:09
|
2026-07-16 10:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/16/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of HOA for departure
residence, online sources indicate an HOA. If applicable, monthly fee to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Resolved-Received HOA verification. - Due Diligence Vendor-07/16/2026
|
Qualifying DTI below maximum allowed - Rule False 39.39% DTI is less than 45% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 787 FICO exceeds 680 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10024864
|
|||
|
1224128
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
C
|
A
|
Closed
|
FCRE7497
|
2026-07-01 11:25
|
2026-07-16 10:46
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Resolved-Received HOA verification, 1003, 1008 and new XX. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-Missing verification of HOA for departure residence, online sources indicate an HOA. If applicable, monthly fee to be included and
DTI recalculated. Additional findings may apply. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received HOA verification, 1003, 1008 and new XX. - Due Diligence Vendor-07/16/2026
|
Qualifying DTI below maximum allowed - Rule False 39.39% DTI is less than 45% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 787 FICO exceeds 680 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10023704
|
||
|
1224128
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
C
|
A
|
Closed
|
FPRO1257
|
2026-07-01 11:13
|
2026-07-07 10:53
|
Resolved
|
1 - Information
|
C
|
A
|
Property
|
Value
|
Primary Property Value is not Substantiated
|
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing a Collateral Desk Analysis (CDA)
from XXXX required by Guideline Section 5.03. CU score 4. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-07/07/2026
|
Qualifying DTI below maximum allowed - Rule False 39.39% DTI is less than 45% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 787 FICO exceeds 680 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10023192
|
||
|
1224128
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
C
|
A
|
Closed
|
finding-3634
|
2026-06-30 14:46
|
2026-07-06 13:48
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/06/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $90 (Collateral Desktop Analysis) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction
in the amount of $90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B
under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C
- Due Diligence Vendor-06/30/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/06/2026
|
Qualifying DTI below maximum allowed - Rule False 39.39% DTI is less than 45% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 787 FICO exceeds 680 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10006992
|
||
|
1224128
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
C
|
A
|
Closed
|
FCOM5135
|
2026-06-30 14:13
|
2026-06-30 14:20
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/30/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-06/30/2026
|
Qualifying DTI below maximum allowed - Rule False 39.39% DTI is less than 45% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 787 FICO exceeds 680 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10006423
|
|||
|
1224671
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE1158
|
2026-07-01 14:29
|
2026-07-16 11:02
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Hazard Insurance Policy is Partial
|
Resolved-Received HOI Policy. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide actual Hazard
insurance policy for subject property. Only Homeowners proposal document found. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received HOI Policy. - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 65%.
Months Reserves exceed minimum required - An additional 113 months reserves available.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10027633
|
||
|
1224671
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-01 15:56
|
2026-07-16 11:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit report for B1. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 65%.
Months Reserves exceed minimum required - An additional 113 months reserves available.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10029361
|
||
|
1224671
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Closed
|
FCRE5783
|
2026-07-01 15:56
|
2026-07-16 11:01
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-Borrower 2 Gap Credit Report is Missing Provide Gap Credit report for B2. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Max LTV 80% and qualifying at 65%.
Months Reserves exceed minimum required - An additional 113 months reserves available.
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10029362
|
||
|
1226236
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-02 11:16
|
2026-07-13 10:59
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit findings have been resolved - Due Diligence Vendor-07/13/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing evidence that taxes for departure
property are paid by the 3rd party that makes the mortgage payment. (Taxes are not escrowed in the mortgage payment) Additional findings may apply, and DTI will be recalculated if the borrower is responsible for property tax payments.
2. Per guides, $78,498.18 reserves required (6 months required for subject and 6 months for departure residence); borrower has only XXXX.
- Due Diligence Vendor-07/02/2026
|
Resolved-Credit findings have been resolved - Due Diligence Vendor-07/13/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $8,983.29 residual income
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10043956
|
|||
|
1226236
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1191
|
2026-07-02 10:49
|
2026-07-13 10:55
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
|
Resolved-Received all assets documentation including account check dated XXXX reflecting the EMD withdrawn on 06/02/2026. Audited Reserves
of XXXX are equal to or greater than AUS Required Reserves of $78498.18 - Due Diligence Vendor-07/13/2026
Ready for Review-Correction?
VOD section is correct as XXXX shows on VOA balance of $35,800.50 which is dated after statement in file. Statement for XXXX left in file
since VOA could not verify owner of account.
- Seller-07/10/2026
Ready for Review-XXXX VOA dated 6/17/2026 in file shows EMD check cleared XXXX checking account on 6/4/2026 - Seller-07/10/2026
Counter-Evidence of EMD provided, however it was provided post the most recent statements in the loan file. Finding remains. - Due
Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Open-Audited Reserves of XXXX are less than AUS Required Reserves of $78498.18 Per guides, $78,498.18 reserves required (6 months required
for subject and 6 months for departure residence); borrower has only XXXX. - Due Diligence Vendor-07/02/2026
|
Ready for Review-Correction?
VOD section is correct as XXXX shows on VOA balance of $35,800.50 which is dated after statement in file. Statement for XXXX left in file
since VOA could not verify owner of account.
- Seller-07/10/2026
Ready for Review-XXXX VOA dated 6/17/2026 in file shows EMD check cleared XXXX checking account on 6/4/2026 - Seller-07/10/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
|
Resolved-Received all assets documentation including account check dated 06/17/2026 reflecting the EMD withdrawn on 06/02/2026. Audited
Reserves of XXXX are equal to or greater than AUS Required Reserves of $78498.18 - Due Diligence Vendor-07/13/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $8,983.29 residual income
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10043481
|
||
|
1226236
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE9550
|
2026-07-02 11:09
|
2026-07-08 10:59
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Debt
|
Missing Supporting Credit Documents
|
Resolved-Received supporting documentation the taxes are paid by the parents. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/06/2026
Ready for Review-Document Uploaded. The 12 months asset statements uploaded for the non-borrower paying the department residence PITIA
shows evidence of the taxes being paid in November and July of 2025. I have screen printed those statements and the tax cert to point to where I found these. Please clear this condition. - Seller-07/06/2026
Open-Missing evidence that taxes for departure property are paid by the 3rd party who makes mortgage payment. Taxes are not included in
the mortgage payment. Additional findings may apply and DTI will be recalculated if borrower responsible for property tax payments. - Due Diligence Vendor-07/02/2026
|
Ready for Review-Condition document submitted - Seller-07/06/2026
Ready for Review-Document Uploaded. The 12 months asset statements uploaded for the non-borrower paying the department residence PITIA
shows evidence of the taxes being paid in November and July of 2025. I have screen printed those statements and the tax cert to point to where I found these. Please clear this condition. - Seller-07/06/2026
|
Resolved-Received supporting documentation the taxes are paid by the parents. - Due Diligence Vendor-07/08/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $8,983.29 residual income
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10043854
|
||
|
1226236
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-07-01 14:25
|
2026-07-01 14:25
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-07/01/2026
|
Waived-Required Affiliated Business Disclosure Missing ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-07/01/2026
|
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $8,983.29 residual income
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10027541
|
|||
|
1226300
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
||||||||||||||||||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE8013
|
2026-07-06 11:02
|
2026-07-16 11:25
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Purchase Contract Issue
|
Resolved-Received Amended Escrow Instructions/Seller's Authorized Representative. - Due Diligence Vendor-07/16/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing proof that the seller is and authorized signor for
the owning LLC. Online search shows the LLC as inactive. - Due Diligence Vendor-07/06/2026
|
Ready for Review-Condition document submitted - Seller-07/15/2026
Ready for Review-Condition document submitted - Seller-07/15/2026
|
Resolved-Received Amended Escrow Instructions/Seller's Authorized Representative. - Due Diligence Vendor-07/16/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10071306
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-06 11:12
|
2026-07-14 12:17
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit Finding have been resolved. - Due Diligence Vendor-07/14/2026
Ready for Review-hi, gift condition was cleared. please advise what else is needed - Seller-07/13/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing receipt from Title showing the
$200,000 gift has been received from the donor, the CD does not list the donor's name. - Due Diligence Vendor-07/06/2026
|
Ready for Review-hi, gift condition was cleared. please advise what else is needed - Seller-07/13/2026
|
Resolved-Credit Finding have been resolved. - Due Diligence Vendor-07/14/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10071464
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1334
|
2026-07-02 11:53
|
2026-07-14 12:15
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Executed 4506-T/4506-C is Missing
|
Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 1 Executed 4506-T/4506-C is Missing Provide 4506 C form for Borrower 1. - Due Diligence Vendor-07/02/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-07/14/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10044854
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1364
|
2026-07-02 11:53
|
2026-07-14 12:15
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 Executed 4506-T/4506-C is Missing
|
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Open-Borrower 2 Executed 4506-T/4506-C is Missing Provide 4506 C form for Borrower 2. - Due Diligence Vendor-07/02/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
|
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-07/14/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10044855
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1544
|
2026-07-01 14:42
|
2026-07-13 07:46
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
TRID: Missing Closing Disclosure
|
Resolved-Received explanation as to why borrower e signed final CD. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open-TRID: Missing Final Closing Disclosure Final CD in file is dated for XXXX but E-signed XXXX. Doc Tracking page 561 states it was
delivered in person. Please confirm correct method of Delivery for final CD. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received explanation as to why borrower e signed final CD. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10027880
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1456
|
2026-07-02 13:11
|
2026-07-08 13:09
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset 2 Less Than 2 Months Verified
|
Resolved-Upon further review, excluded asset from qualification. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Ready for Review-please advise, i do not show that XXXX was used for qualification. not showing on 1003 or aus - Seller-07/07/2026
Open-Asset 2 Less Than 2 Months Verified Provide an additional month of XXXX account as only 1 month provided. XX requires two months. -
Due Diligence Vendor-07/02/2026
|
Ready for Review-Condition document submitted - Seller-07/07/2026
Ready for Review-please advise, i do not show that XXXX was used for qualification. not showing on 1003 or aus - Seller-07/07/2026
|
Resolved-Upon further review, excluded asset from qualification. - Due Diligence Vendor-07/08/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10046413
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCRE1491
|
2026-07-06 11:24
|
2026-07-08 13:09
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset Qualification Does Not Meet Guideline Requirements
|
Resolved-Received Wire Receipt. - Due Diligence Vendor-07/08/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Missing receipt from Title showing the $200,000 gift has been received from
the donor, the CD does not list the donor's name. - Due Diligence Vendor-07/06/2026
|
Ready for Review-Condition document submitted - Seller-07/07/2026
|
Resolved-Received Wire Receipt. - Due Diligence Vendor-07/08/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10071769
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
finding-3635
|
2026-07-01 15:02
|
2026-07-07 12:50
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That In Total Cannot Increase More Than 10% Test
|
Resolved-Received copy of SPL XXXX. Finding Resolved. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains
third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($9,162.75) exceed the comparable
charges ($8,158.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a
recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by
more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
----- Ten (10%) tolerance fees Recording Fee increased by $50.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $188.95, post-close CD, LOE
and evidence of delivery to borrower within 60 days of consummation date. Please provide a copy of the SPL as it is missing. Remediation options (1) within 60 days of consummation expires XXXX(2) within 60 days of discovery expires XXXX
remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/07/2026
|
Resolved-Received copy of SPL XXXX. Finding Resolved. - Due Diligence Vendor-07/07/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10028328
|
||
|
1226432
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Closed
|
FCOM1232
|
2026-07-01 13:59
|
2026-07-07 11:56
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
The Final 1003 is Missing
|
Resolved-Received copy of e-signed final 1003. Finding Resolved. - Due Diligence Vendor-07/07/2026
Ready for Review-Condition document submitted - Seller-07/07/2026
Open-The Final 1003 is Missing Missing Final 1003, please provide. - Due Diligence Vendor-07/01/2026
|
Ready for Review-Condition document submitted - Seller-07/07/2026
|
Resolved-Received copy of e-signed final 1003. Finding Resolved. - Due Diligence Vendor-07/07/2026
|
CLTV is less than guidelines maximum - 70% LTV < 80% maximum allowed.
Qualifying FICO score is at least 20 points above minimum for program - Rule False Min FICO 700 and qualifying at 799.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10026956
|
||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-06 10:49
|
2026-07-14 09:47
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Credit findings have been resolved. - Due Diligence Vendor-07/14/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation meeting requirements
of XXXX Guide Section 5305.1 for VA Benefits Noneducational noted on 1003. Additional findings may apply since Audit used the income noted on 1003 to qualify. - Due Diligence Vendor-07/06/2026
|
Resolved-Credit findings have been resolved. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10063640
|
|||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE5790
|
2026-07-06 09:47
|
2026-07-14 09:46
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Closing
|
Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)
|
Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-07/14/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Counter-UDM provided reflects a As of Date XXXX which is not within 10 days. UDM was viewed and printed XXXX. Finding remains. - Due
Diligence Vendor-07/10/2026
Ready for Review-UDM report showing no inquiries as of today except for our credit report. - Seller-07/09/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing a credit refresh (gap
report/debt monitoring) for both borrowers completed no more than 10 days prior to the Note date. File included Loan Quality Debt Monitoring completed XXXX, or 65 days prior to note date. - Due Diligence Vendor-07/06/2026
|
Ready for Review-Condition document submitted - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/13/2026
Ready for Review-UDM report showing no inquiries as of today except for our credit report. - Seller-07/09/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
|
Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10062361
|
||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE1964
|
2026-07-06 09:19
|
2026-07-14 09:43
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing income documentation
|
Resolved-Received Certificate of Eligibility. - Due Diligence Vendor-07/14/2026
Ready for Review-The VA non-educational income was ?grossed up? using the calculation shown in the XXXX Guidelines 5305.1 and noted on the
1008. Please remove/waive this item - Seller-07/13/2026
Counter-Certification of Eligibility provided, however the monthly amount of $4,628.00 monthly does not match the 1003 and bank Statement
amount of $5,322.33. Please provide current evidence of VA benefits. - Due Diligence Vendor-07/10/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
Open-Missing documentation meeting requirements of XXXX Guide Section 5305.1 for VA Benefits Noneducational noted on 1003. Additional
findings may apply since Audit used the income noted on 1003 to qualify. - Due Diligence Vendor-07/06/2026
|
Ready for Review-The VA non-educational income was ?grossed up? using the calculation shown in the XXXX Guidelines 5305.1 and noted on the
1008. Please remove/waive this item - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/09/2026
|
Resolved-Received Certificate of Eligibility. - Due Diligence Vendor-07/14/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10061734
|
||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
finding-3634
|
2026-07-02 11:21
|
2026-07-10 14:00
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received LE for XXXX. Finding Resolved. - Due Diligence Vendor-07/10/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Counter-We are missing referenced LE XXXX from file. Please provide. - Due Diligence Vendor-07/09/2026
Ready for Review-Per our Closer: My initial CD (issued XXXX) and final CD (issued XXXX) showed the lock extension charge as $10,250.
The COC for the lock extension charge was done on XXXX and that COC is in the efolder and was done on a LE and showed as $12,250 and
showed as the extension fee. Another LE was redisclosed on XXXX and that still showed the exact same info.
They reference a CD on XXXX with an origination charge of $20K (there was no CD on XXXX, and absolutely NO LE?s or CD?s ever showed an
origination charge), and then they?re saying the CD issued XXXX is the 1st that the lock extension fee was listed, which is also not true, as that was showing on the XXXX LE redisclosures.
She later responded with:
I figured out where they are reading $20K from. That CD is in an efolder for ?credit-mortgage statements? and was a completely different
loan closing. The file that is currently suspended by XXXX p/o a bridge loan (which p/o a construction loan) and closed on XXXX.
- Seller-07/09/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10,250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $10,250 (LLPA - Rate Lock Extension Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal
reduction in the amount of $10,250, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX
remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C [Origination Fee increased from $0 to $20,000 on CD XXXX. This fee dropped off on CD dated XXXX and
was replaced with Rate Lock Extension Fee of $10,250. COC XXXX states that lock was extended at no cost to the borrower, however the Rate Lock Extension fee appeared first on XXXX and carried through to close on XXXX].
- Due Diligence Vendor-07/02/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-Per our Closer: My initial CD (issued XXXX) and final CD (issued XXXX) showed the lock extension charge as $10,250.
The COC for the lock extension charge was done on XXXX and that COC is in the efolder and was done on a LE and showed as $12,250 and
showed as the extension fee. Another LE was redisclosed on 6/3 and that still showed the exact same info.
They reference a CD on XXXX with an origination charge of $20K (there was no CD on XXXX, and absolutely NO LE?s or CD?s ever showed an
origination charge), and then they?re saying the CD issued XXXX is the 1st that the lock extension fee was listed, which is also not true, as that was showing on the XXXX LE redisclosures.
She later responded with:
I figured out where they are reading $20K from. That CD is in an efolder for ?credit-mortgage statements? and was a completely different
loan closing. The file that is currently suspended by XXXX p/o a bridge loan (which p/o a construction loan) and closed on XXXX.
- Seller-07/09/2026
|
Resolved-Received LE for XXXX. Finding Resolved. - Due Diligence Vendor-07/10/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10044036
|
||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE6618
|
2026-07-06 10:04
|
2026-07-10 10:02
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Borrower
|
Borrower information on 1003 is incomplete
|
Resolved-Upon further review, 1003 appears to be correct and no revision is needed. - Due Diligence Vendor-07/10/2026
Ready for Review-This is a refi of a construction. How the 1003 reads should be correct. - Seller-07/08/2026
Open-Missing updated 1003 to show subject as primary and departure sold. Page 1 of the 1003 notes departure as primary residence, which
does not match XX. Additional findings may apply. - Due Diligence Vendor-07/06/2026
|
Ready for Review-This is a refi of a construction. How the 1003 reads should be correct. - Seller-07/08/2026
|
Resolved-Upon further review, 1003 appears to be correct and no revision is needed. - Due Diligence Vendor-07/10/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10062724
|
||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCRE1491
|
2026-07-06 10:34
|
2026-07-07 12:15
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset Qualification Does Not Meet Guideline Requirements
|
Resolved-Asset Qualification Meets Guideline Requirements - finding fired in error. LOX in file notes the bridge loan payoff coming from
XXXX accounts (which has XXXX total balance). - Due Diligence Vendor-07/07/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation supporting the source of $393,452.81 paid at the
closing of the XXXX bridge loan used to pay off the construction loan. File includes lender LOX stating the amount was deducted from the retirement account. However, the source of funds is required, since all asset accounts other than the 2
XXXX accounts are used as sources of income for the subject loan. If the funds came from any of the other accounts, income would have to be recalculated. Additional findings may apply. - Due Diligence Vendor-07/06/2026
|
Resolved-Asset Qualification Meets Guideline Requirements - finding fired in error. LOX in file notes the bridge loan payoff coming from
XXXX accounts (which has XXXX total balance). - Due Diligence Vendor-07/07/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10063288
|
|||
|
1228220
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-07-02 10:46
|
2026-07-02 10:46
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-07/02/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-07/02/2026
|
LTV is less than guideline maximum - 43.16% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
Originator Post-Close
|
No
|
10043430
|
|||
|
1228264
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-06 13:58
|
2026-07-22 11:28
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-Income findings have been resolved. - Due Diligence Vendor-07/22/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for income documentation.
- Due Diligence Vendor-07/06/2026
|
Resolved-Income findings have been resolved. - Due Diligence Vendor-07/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 787; minimum required FICO 720
CLTV is less than guidelines maximum - Rule False Qualifying CLTV/HLTV 60.90%; max CLTV/HLTV 80%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10076107
|
|||
|
1228264
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE6763
|
2026-07-06 13:44
|
2026-07-22 11:27
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Income/Employment
|
Income documentation does not meet guidelines
|
Resolved-Received Benefit plans details, borrower is required to take a minimum distribution from each account at the age 70-1/2 and
borrower is XX. - Due Diligence Vendor-07/22/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Document Uploaded. Per plan rules our borrower has access to the funds in both accounts. Both plans are deferred comp
plans which are also referred to as Plan Type 457 per the company managing the employer’s funds. (see attached plan info for Deferred Comp which shows plan type as 457). The 457 Plan follows the government standard 457 Plan rules and allows
in-service distributions at age 70 ½, our borrower (DOB XXXX) is XX at time of application and has access to funds. The Borrower's pension income goes into a different account per the 1099 provided in the file. Evidence of the actual
account the pension goes into is not required to document continuance. - Seller-07/20/2026
Open-1. Asset Depletion of $2,912.68 from 2 accounts does not meet Finding XXXX or Section 5307.1(c)(i) for Retirement Assets. It appears
the borrower cannot access to withdraw funds in their entirety from either account. Account XXXX is a Deferred Compensation Plan 457(b); plan highlights show borrower has no access to funds until retirement or severance of employment and
borrower is still currently working. Account for XXXX lacks eligibility documentation showing ability to withdraw and is not a standard retirement account. 2. Pension was also used towards qualifying from XXXX and appears to be associated
with these accounts; assets used for asset depletion must not be the source of the pension income. Additional findings may apply. - Due Diligence Vendor-07/06/2026
|
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Condition document submitted - Seller-07/21/2026
Ready for Review-Document Uploaded. Per plan rules our borrower has access to the funds in both accounts. Both plans are deferred comp
plans which are also referred to as Plan Type 457 per the company managing the employer’s funds. (see attached plan info for Deferred Comp which shows plan type as 457). The 457 Plan follows the government standard 457 Plan rules and allows
in-service distributions at age 70 ½, our borrower (DOB XXXX) is XX at time of application and has access to funds. The Borrower's pension income goes into a different account per the 1099 provided in the file. Evidence of the actual
account the pension goes into is not required to document continuance. - Seller-07/20/2026
|
Resolved-Received Benefit plans details, borrower is required to take a minimum distribution from each account at the age 70-1/2 and
borrower is XX. - Due Diligence Vendor-07/22/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 787; minimum required FICO 720
CLTV is less than guidelines maximum - Rule False Qualifying CLTV/HLTV 60.90%; max CLTV/HLTV 80%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10075828
|
||
|
1228264
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3635
|
2026-07-06 05:12
|
2026-07-20 11:00
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That In Total Cannot Increase More Than 10% Test
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/20/2026
Ready for Review-Condition document submitted - Seller-07/17/2026
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains
third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,890.00) exceed the comparable
charges ($1,534.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a
recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by
more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
-----Ten (10%) tolerance fees (Lenders Title Insurance and Recording Fee ) increased by $202.60 on the final CD dated XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal
reduction in the amount of $202.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX
remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-07/06/2026
|
Ready for Review-Condition document submitted - Seller-07/17/2026
|
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-07/20/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 787; minimum required FICO 720
CLTV is less than guidelines maximum - Rule False Qualifying CLTV/HLTV 60.90%; max CLTV/HLTV 80%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10057829
|
||
|
1228264
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCRE1964
|
2026-07-06 13:44
|
2026-07-15 10:35
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing income documentation
|
Resolved-After further review- the XXXX seller guide states a IRS Form 1099 for the most recent calendar year is acceptable to document
pension income. For pension income, when IRS Form 1099 is used to document current receipt, and verifies income type and source, the age of documentation requirements described in Section 5102.4 do not apply. XXXX 1099 in file is acceptable
to document Brws retirement income. - Due Diligence Vendor-07/15/2026
Ready for Review-The awards letter for XXXX pension income is not required as per the finding you are quoting only 1 OR more documents are
required. 1 is sufficient; more is not required. I attached XXXX guidelines concerning this and the condition was still countered asking for additional documentation. Additional documentation is not required. The Borrower is XX years
old. He is more than old enough to pull pension/retirement income so there should be no concern about whether this income is documented sufficiently. Please clear the condition - XXXX - Seller-07/14/2026
Counter-Award letter from XXXX Pension was not located in the loan file. Please provide for further review. - Due Diligence
Vendor-07/14/2026
Ready for Review-Document Uploaded. Please see screen shot from XXXX selling guide indicating that pension income has an exception for the
age of the documentation when using a 1099 to document the income. We have both the most recent award letters and 2025 1099's which more than meets the documentation requirements described in XXXX. Please clear the condition. -
Seller-07/13/2026
Open-Pension of $650 from account with last four digits of XXXX does not meet requirements per Finding XXXX or Section 5305.1(m) Existing
Source. Missing proof of current receipt of funds within 120 days of note such as a recent pension statement showing withdrawal or a personal bank statement showing a deposit. Only the 2025 1099 was provided. - Due Diligence Vendor-07/06/2026
|
Ready for Review-The awards letter for XXXX pension income is not required as per the finding you are quoting only 1 OR more documents are
required. 1 is sufficient; more is not required. I attached XXXX guidelines concerning this and the condition was still countered asking for additional documentation. Additional documentation is not required. The Borrower is XX years
old. He is more than old enough to pull pension/retirement income so there should be no concern about whether this income is documented sufficiently. Please clear the condition - XXXX - Seller-07/14/2026
Ready for Review-Document Uploaded. Please see screen shot from XXXX selling guide indicating that pension income has an exception for
the age of the documentation when using a 1099 to document the income. We have both the most recent award letters and 2025 1099's which more than meets the documentation requirements described in XXXX. Please clear the condition. -
Seller-07/13/2026
|
Resolved-After further review- the XXXX seller guide states a IRS Form 1099 for the most recent calendar year is acceptable to document
pension income. For pension income, when IRS Form 1099 is used to document current receipt, and verifies income type and source, the age of documentation requirements described in Section 5102.4 do not apply. XXXX 1099 in file is acceptable
to document Brws retirement income. - Due Diligence Vendor-07/15/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 787; minimum required FICO 720
CLTV is less than guidelines maximum - Rule False Qualifying CLTV/HLTV 60.90%; max CLTV/HLTV 80%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10075829
|
||
|
1228264
|
XXXX
|
XXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Closed
|
FCOM0013
|
2026-07-06 04:20
|
2026-07-07 14:33
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
Disclosure
|
Missing e-Consent
|
Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-07/07/2026
Ready for Review-Document Uploaded. Please clear condition based on documentation provided in the file and screen printed and attached
here - Seller-07/07/2026
Open-Missing e-Consent. -----Missing E- consent. - Due Diligence Vendor-07/06/2026
|
Ready for Review-Document Uploaded. Please clear condition based on documentation provided in the file and screen printed and attached
here - Seller-07/07/2026
|
Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-07/07/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 787; minimum required FICO 720
CLTV is less than guidelines maximum - Rule False Qualifying CLTV/HLTV 60.90%; max CLTV/HLTV 80%
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
N/A
|
N/A
|
10057476
|
||
|
1229347
|
XXXX
|
XXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Closed
|
finding-3634
|
2026-07-05 16:08
|
2026-07-09 08:50
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/09/2026
Ready for Review-LE was re-disclosed on XXXX for a change in loan product. This change required the tax service fee and appraisal desk
review fee be charged. - Seller-07/08/2026
Ready for Review-Condition document submitted - Seller-07/08/2026
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good
faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $165.00 (tax related service fee and Appraisal Desk Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to
borrower or principal reduction in the amount of $165.00 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of
discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-07/05/2026
|
Ready for Review-LE was re-disclosed on XXXX for a change in loan product. This change required the tax service fee and appraisal desk
review fee be charged. - Seller-07/08/2026
Ready for Review-Condition document submitted - Seller-07/08/2026
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/09/2026
|
Qualifying DTI below maximum allowed - Qualifying DTI 33.49 is less than the guideline max of 45
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 752 is more than 20 points higher than the
guideline min of 700
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10054730
|
||
|
1230622
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1186
|
2026-07-07 10:36
|
2026-07-23 16:17
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Audited DTI Exceeds AUS DTI
|
Resolved-Evidence/calculation of RSU showing any New hire/signing bonus stocks were removed was provided. - Due Diligence
Vendor-07/23/2026
Counter-The New hire reward is being vested through 2026 per the summary. Review has excluded. Review RSU income is stock price $232.84
200 day moving average. Average Year 1, Year 2, and YTD = $6,994.90. Finding remains. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-The Borrower was a new hire in XXXX which is why you see the initial set up on the RSO award summary reflect "new hire"
in the amount of $3380. This amount has not been used to qualify (as it is from XXXX). If you view the award summaries after that date, you will no longer see the "new hire" name as the Borrower is no longer a new hire at that point. It is
evident per her WVOE, paystubs, and award summaries that there is no sign-on bonus RSO included in this amount. Please clear this condition. - Seller-07/09/2026
Counter-Per the RSU award summary, as of 08/29/2022 the name of the Award Type is New Hire. Please provide clarification. Additional
Findings may apply. - Due Diligence Vendor-07/09/2026
Ready for Review-Document Uploaded. Please clarify where you are seeing that there is a sign on bonus include in the RSO? B2 has been with
her current employer (holder of RSO) for XX years. The only thing that I can see is on the 12/31/2024 paystub provided it shows "On Sign Bonus" amount. This is not a "sign-on bonus". It is a bonus and they called it "On Sign" for whatever
reason (it doesn't really matter as it doesn't appear to be used to qualify). Please clear this condition. - Seller-07/08/2026
Open-Audited DTI of 55.05% exceeds AUS DTI of 49.99% Audit's RSU calculation excludes vested shares from a new hire award. Per XXXX Guide
Section B3-3.3-07, sign-on bonuses received in the form of restricted stock that vest over any length of time are not eligible to be used as qualifying income. XXXX guides state "Sign-on bonuses received in the form of restricted stock that
vest over any length of time are not eligible to be used as qualifying income." - Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-The Borrower was a new hire in XXXX which is why you see the initial set up on the RSO award summary reflect "new hire"
in the amount of $3380. This amount has not been used to qualify (as it is from XXXX). If you view the award summaries after that date, you will no longer see the "new hire" name as the Borrower is no longer a new hire at that point. It is
evident per her WVOE, paystubs, and award summaries that there is no sign-on bonus RSO included in this amount. Please clear this condition. - Seller-07/09/2026
Ready for Review-Document Uploaded. Please clarify where you are seeing that there is a sign on bonus include in the RSO? B2 has been
with her current employer (holder of RSO) for XX years. The only thing that I can see is on the 12/31/2024 paystub provided it shows "On Sign Bonus" amount. This is not a "sign-on bonus". It is a bonus and they called it "On Sign" for
whatever reason (it doesn't really matter as it doesn't appear to be used to qualify). Please clear this condition. - Seller-07/08/2026
|
Resolved-Evidence/calculation of RSU showing any New hire/signing bonus stocks were removed was provided. - Due Diligence
Vendor-07/23/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $239,346.12 required.
Qualifying FICO score is at least 20 points above minimum for program - 805 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10095671
|
||
|
1230622
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1185
|
2026-07-07 10:36
|
2026-07-23 16:16
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
AUS Partially Provided
|
Resolved-AUS Partially Provided Evidence/calculation of RSU showing any New hire/signing bonus stocks were removed was provided. - Due
Diligence Vendor-07/23/2026
Ready for Review-Condition document submitted - Seller-07/22/2026
Counter-The New hire reward is being vested through 2026 per the summary. Review has excluded. Review RSU income is stock price $232.84
200 day moving average. Average Year 1, Year 2, and YTD = $6,994.90. Finding remains.
- Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-The Borrower was a new hire in XXXX which is why you see the initial set up on the RSO award summary reflect "new hire"
in the amount of $3380. This amount has not been used to qualify (as it is from XXXX). If you view the award summaries after that date, you will no longer see the "new hire" name as the Borrower is no longer a new hire at that point. It is
evident per her WVOE, paystubs, and award summaries that there is no sign-on bonus RSO included in this amount. Please clear this condition. - Seller-07/09/2026
Counter-Per the RSU award summary, as of XXXX the name of the Award Type is New Hire. Please provide clarification. Additional Findings
may apply. - Due Diligence Vendor-07/09/2026
Ready for Review-Document Uploaded. Please clarify where you are seeing that there is a sign on bonus include in the RSO? B2 has been
with her current employer (holder of RSO) for XX years. The only thing that I can see is on the 12/31/2024 paystub provided it shows "On Sign Bonus" amount. This is not a "sign-on bonus". It is a bonus and they called it "On Sign" for
whatever reason (it doesn't really matter as it doesn't appear to be used to qualify). Please clear this condition. - Seller-07/08/2026
Open-AUS Partially Provided DU DTI is 42.12% and Audit's DTI is 55.05. Audit's calculation excludes vested shares from a new hire award.
Per XXXX Guide Section B3-3.3-07, sign-on bonuses received in the form of restricted stock that vest over any length of time are not eligible to be used as qualifying income. - Due Diligence Vendor-07/07/2026
|
Ready for Review-Condition document submitted - Seller-07/22/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Ready for Review-The Borrower was a new hire in XXXX which is why you see the initial set up on the RSO award summary reflect "new hire"
in the amount of $3380. This amount has not been used to qualify (as it is from XXXX). If you view the award summaries after that date, you will no longer see the "new hire" name as the Borrower is no longer a new hire at that point. It is
evident per her WVOE, paystubs, and award summaries that there is no sign-on bonus RSO included in this amount. Please clear this condition. - Seller-07/09/2026
Ready for Review-Document Uploaded. Please clarify where you are seeing that there is a sign on bonus include in the RSO? B2 has been
with her current employer (holder of RSO) for XX years. The only thing that I can see is on the 12/31/2024 paystub provided it shows "On Sign Bonus" amount. This is not a "sign-on bonus". It is a bonus and they called it "On Sign" for
whatever reason (it doesn't really matter as it doesn't appear to be used to qualify). Please clear this condition. - Seller-07/08/2026
|
Resolved-AUS Partially Provided Evidence/calculation of RSU showing any New hire/signing bonus stocks were removed was provided. - Due
Diligence Vendor-07/23/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $239,346.12 required.
Qualifying FICO score is at least 20 points above minimum for program - 805 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10095672
|
||
|
1230622
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1506
|
2026-07-08 09:13
|
2026-07-23 16:13
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
QM-ATR
|
Invalid Final QM Status - ATR/QM: Status Pending
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/23/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing a verification of employment for B2
meeting the requirements of XX Finding #16. Additional findings may apply. - Due Diligence Vendor-07/08/2026
|
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-07/23/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $239,346.12 required.
Qualifying FICO score is at least 20 points above minimum for program - 805 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10119358
|
|||
|
1230622
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCRE1347
|
2026-07-07 08:44
|
2026-07-23 16:13
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Resolved-Upon further review, XX required 120 days if the borrower is in the XXXX. Borrower works for the XXXX and earnings and Leave
Statement was provided and dated within 120 days. - Due Diligence Vendor-07/16/2026
Ready for Review-AUS states 120 calendar days. The statement is from 5/30/2026 - Seller-07/15/2026
Counter-LES statement is not the most recent pay period prior to the Note date. Finding remains. - Due Diligence Vendor-07/14/2026
Ready for Review-B2 LES was provided meeting the requirement for XX finding 16 - Seller-07/13/2026
Counter-WVOE dated XXXX is for B1, Finding is for B2 VVOE dated within 10 days. - Due Diligence Vendor-07/09/2026
Ready for Review-Condition document submitted - Seller-07/08/2026
Ready for Review-Please clarify what exactly you feel is missing. I am seeing a full WVOE dated XXXX as well as year-end paystubs for
this borrower. Both are acceptable to document this income. I also see a VVOE date XXXX (within 10 days of note date - XXXX). I am just not sure what else you are needing. - Seller-07/08/2026
Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing a verification of employment for B2 meeting the requirements of XX Finding
#16. Additional findings may apply. - Due Diligence Vendor-07/07/2026
|
Ready for Review-AUS states 120 calendar days. The statement is from 5/30/2026 - Seller-07/15/2026
Ready for Review-B2 LES was provided meeting the requirement for XX finding 16 - Seller-07/13/2026
Ready for Review-Condition document submitted - Seller-07/08/2026
Ready for Review-Please clarify what exactly you feel is missing. I am seeing a full WVOE dated XXXX as well as year-end paystubs for
this borrower. Both are acceptable to document this income. I also see a VVOE date XXXX (within 10 days of note date - XXXX). I am just not sure what else you are needing. - Seller-07/08/2026
|
Resolved-Upon further review, XX required 120 days if the borrower is XXXX. Borrower works for the XXXX and earnings and Leave Statement
was provided and dated within 120 days. - Due Diligence Vendor-07/16/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $239,346.12 required.
Qualifying FICO score is at least 20 points above minimum for program - 805 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10092395
|
||
|
1230622
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
B
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-07-06 17:51
|
2026-07-06 20:59
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-07/06/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.
- Due Diligence Vendor-07/06/2026
|
Months Reserves exceed minimum required - XXXX verified reserves and $239,346.12 required.
Qualifying FICO score is at least 20 points above minimum for program - 805 FICO exceeds 720 minimum required.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10079652
|
|||
|
1232222
|
XXXX
|
XXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
||||||||||||||||||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
finding-3634
|
2026-07-13 07:56
|
2026-07-17 10:24
|
Resolved
|
1 - Information
|
A
|
A
|
Compliance
|
TRID
|
Charges That Cannot Increase Test
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/17/2026
Ready for Review-Condition document submitted - Seller-07/16/2026
Open-****NEW**** --Zero (0%) tolerance fees increased by $49.00 (Appraisal) without a valid COC in file. Provide a valid and timely COC
for increase OR evidence of refund to borrower or principal reduction in the amount of $49.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation
expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C
- Due Diligence Vendor-07/13/2026
|
Ready for Review-Condition document submitted - Seller-07/16/2026
|
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-07/17/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10201732
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE1491
|
2026-07-09 20:45
|
2026-07-16 11:45
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Assets
|
Asset Qualification Does Not Meet Guideline Requirements
|
Resolved-Received May statements for all XXXX and XXXX accounts use for qualification. - Due Diligence Vendor-07/16/2026
Ready for Review-Document Uploaded. Hello, please see all May statements for the requested assets. Thank you. - Seller-07/15/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Per Section 8.02, all assets are to be dated within 30 days of the
application date. Application date is XXXX. All XXXX and XXXX account statements are dated 04/30 and exceed the 30-day allotment. Provide May statements. Additional findings may apply. Additional findings may apply.
- Due Diligence Vendor-07/10/2026
|
Ready for Review-Document Uploaded. Hello, please see all May statements for the requested assets. Thank you. - Seller-07/15/2026
|
Resolved-Received May statements for all XXXX and XXXX accounts use for qualification. - Due Diligence Vendor-07/16/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10162824
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE1157
|
2026-07-09 20:15
|
2026-07-14 11:17
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Hazard Insurance Policy is Missing
|
Resolved-Received HOI Policy. - Due Diligence Vendor-07/14/2026
Ready for Review-Document Uploaded. Hello, please see the attached Evidence of Insurance - Seller-07/13/2026
Open-Missing Hazard Insurance Policy XXXX replacement cost and invoice for policy ending XXXX for subject only provided. Missing binder
with XXXX dwelling coverage for primary residence policy. Additional findings may apply.
- Due Diligence Vendor-07/10/2026
|
Ready for Review-Document Uploaded. Hello, please see the attached Evidence of Insurance - Seller-07/13/2026
|
Resolved-Received HOI Policy. - Due Diligence Vendor-07/14/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10162761
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE0110
|
2026-07-09 19:35
|
2026-07-14 11:15
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Missing or incomplete documentation for Solar Panels
|
Resolved-Received confirmation from title Solar was paid off and service was transferred to the borrower. - Due Diligence
Vendor-07/14/2026
Ready for Review-Document Uploaded. Hello, please see the email from XXXX, the title company, advising they were previously paid off and
they simply transferred service into the buyers name. Thank you. - Seller-07/13/2026
Open-XXXX Home Improvement Sales Contract provided. The contract does NOT disclose any payment schedule; it only provides a total contract
price, that payments will be sent to XXXX, and that XXXX will pay XXXX. (XXXX is actually the debt holder.) Missing documentation to support that the panels are owned outright. Absence of a UCC filing does not indicate that the panels are
paid in full (see XXXX B2-3-04 section titled "Financed and Collateralized — solar panels reported as collateral for separate non-mortgage debt used to purchase panels, but do not appear on the title report"). Appraiser assigned value to the
panels. Additional findings may apply. - Due Diligence Vendor-07/09/2026
|
Ready for Review-Document Uploaded. Hello, please see the email from XXXX, the title company, advising they were previously paid off and
they simply transferred service into the buyers name. Thank you. - Seller-07/13/2026
|
Resolved-Received confirmation from title Solar was paid off and service was transferred to the borrower. - Due Diligence
Vendor-07/14/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10162679
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE0970
|
2026-07-09 20:05
|
2026-07-13 15:10
|
Resolved
|
1 - Information
|
C
|
A
|
Credit
|
Eligibility
|
Appraisal has issues (credit)
|
Resolved-The wires are for fiberoptic cable/internet, No issues - Due Diligence Vendor-07/13/2026
Open-Appraiser to: (1) Comment on whether exposed and dangling wires in the bonus room present any health/safety hazards or code
violations; Additional findings may apply. - Due Diligence Vendor-07/10/2026
|
Resolved-The wires are for fiberoptic cable/internet, No issues - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10162718
|
|||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCRE5782
|
2026-07-09 20:31
|
2026-07-13 12:58
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open-Borrower 1 Gap Credit Report is Missing B1/B2 Missing gap credit/UDM obtained within 10 days prior to the note date for both
borrowers. Additional findings may apply. - Due Diligence Vendor-07/10/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received UDM for both borrowers. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10162787
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1797
|
2026-07-09 07:45
|
2026-07-13 08:09
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Missing Service Provider List
|
Resolved-Received service provider list. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open------Missing SPL. Please provide. - Due Diligence Vendor-07/09/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received service provider list. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10147291
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1978
|
2026-07-09 07:10
|
2026-07-13 08:09
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Missing Intent to Proceed
|
Resolved-Received signed Intent to Proceed Form. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence
Vendor-07/09/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received signed Intent to Proceed Form. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10146688
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM9175
|
2026-07-08 16:01
|
2026-07-13 08:08
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
TRID: Closing Disclosure not received by the borrower 3 days prior to consummation
|
Resolved-Received initial CD XXXX. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon
receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received initial CD XXXX. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10131470
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1266
|
2026-07-08 15:23
|
2026-07-13 07:51
|
Resolved
|
1 - Information
|
D
|
A
|
Compliance
|
Missing Doc
|
Homeownership Counseling Disclosure Is Missing
|
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/13/2026
Ready for Review-Condition document submitted - Seller-07/10/2026
Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within
three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-07/08/2026
|
Ready for Review-Condition document submitted - Seller-07/10/2026
|
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/13/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
N/A
|
N/A
|
10130395
|
||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM1301
|
2026-07-08 15:23
|
2026-07-09 06:37
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Home Loan Toolkit is Missing
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/08/2026
|
Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/08/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10130394
|
|||
|
1235033
|
XXXX
|
XXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Closed
|
FCOM5135
|
2026-07-08 15:23
|
2026-07-08 16:05
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Missing Doc
|
Missing Required Affiliated Business Disclosure
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/08/2026
|
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/08/2026
|
Qualifying FICO score is at least 20 points above minimum for program - Rule False Qualifying FICO 801; minimum required FICO 720
Months Reserves exceed minimum required - Qualifying reserves 232.61 months; minimum reserves required 12.64 months
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Purchase
|
NA
|
Originator Post-Close
|
No
|
10130396
|
|||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FCRE6737
|
2026-07-10 06:13
|
2026-07-21 15:31
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc
|
Missing Letter of Explanation (Income)
|
Resolved-Per guidelines the use of the lease agreement and proof of 2 months receipt of rental income were required and provided. - Due
Diligence Vendor-07/21/2026
Ready for Review-email sent to support to clear:
• The most recent tax filing year in this scenario would be 2025 because in 2024 the borrower only owned one property, her primary
residence (XXXX) and there would be no record of Sch E Rental. In XXXX borrower purchased the subject property as her new primary residence and recently placed XXXX into rental service at the end of 2025 (Oct).
• Per guidelines a request for the most recent tax filing was made that is 2025 1040 w/Sch E, borrower provided IRS Form 4868 extension
(see attached). IRS transcripts confirmed extension/no record found. Because borrower is not required to file 2025 1040's until Oct 15, 2026, which would be the year with record of Sch E.
• There would be no schedule E in 2024 because borrower only owned one property her primary residence in that year.
• Per guidelines this would be the exception for use of the lease agreement and proof of 2 months receipt of rental income which we have
provided
*** The bank statements provided show 2 months receipt of rental income***
- Seller-07/21/2026
Open-Missing lender exception for using lease income on REO with no rental history on tax returns required by XX Finding #15 . File
included an extension for file 2025 1040 tax return and no 2024 returns were provided. Additional findings may apply. - Due Diligence Vendor-07/10/2026
|
Ready for Review-email sent to support to clear:
• The most recent tax filing year in this scenario would be 2025 because in 2024 the borrower only owned one property, her primary
residence (XXXX) and there would be no record of Sch E Rental. In XXXX borrower purchased the subject property as her new primary residence and recently placed XXXX into rental service at the end of 2025 (Oct).
• Per guidelines a request for the most recent tax filing was made that is 2025 1040 w/Sch E, borrower provided IRS Form 4868 extension
(see attached). IRS transcripts confirmed extension/no record found. Because borrower is not required to file 2025 1040's until Oct 15, 2026, which would be the year with record of Sch E.
• There would be no schedule E in 2024 because borrower only owned one property her primary residence in that year.
• Per guidelines this would be the exception for use of the lease agreement and proof of 2 months receipt of rental income which we have
provided
*** The bank statements provided show 2 months receipt of rental income***
- Seller-07/21/2026
|
Resolved-Per guidelines the use of the lease agreement and proof of 2 months receipt of rental income were required and provided. - Due
Diligence Vendor-07/21/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
10168938
|
||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
finding-3532
|
2026-07-09 12:02
|
2026-07-17 12:40
|
Resolved
|
1 - Information
|
C
|
A
|
Compliance
|
TRID
|
Initial Closing Disclosure Delivery Date Test
|
Resolved-Verified through Date calculator, it was 4 days between initial CD XXXX and Final CD XXXX. Finding Resolved. - Due Diligence
Vendor-07/17/2026
Ready for Review-Condition document submitted - Seller-07/16/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii)
)The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is
less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and
the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public
holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no
later than three business days before consummation. ----- Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence
Vendor-07/09/2026
|
Ready for Review-Condition document submitted - Seller-07/16/2026
|
Resolved-Verified through Date calculator, it was 4 days between initial CD XXXX and Final CD XXXX. Finding Resolved. - Due Diligence
Vendor-07/17/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
10153486
|
||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FPRO1255
|
2026-07-10 10:50
|
2026-07-16 11:29
|
Resolved
|
1 - Information
|
D
|
A
|
Credit
|
Missing Doc - Credit
|
HOA Questionnaire Document is Missing
|
Resolved-Received CPM verification stating address update is not allowed as long as the address reflected in CPM is located within the
subject project. - Due Diligence Vendor-07/16/2026
Ready for Review-Document Uploaded. Client requested to have the address changed on the Lender Cert and they were declined by CPM (see
screen print attached). They provide a comment that they cannot make this change. The handwritten HOA questionnaire in the file does show the subject property address of XXXX, the 8 looks a little bit like a 9 as it is handwritten. Please
clear this condition. XXXX- Seller-07/15/2026
Counter-Lender Certification is for XXXX and HOA Certification is XXXX. Subject is XXXX. Please provide the Lender Certification and HOA
Certification for the subject property. - Due Diligence Vendor-07/13/2026
Ready for Review-Please detail which items you feel are missing from the HOA questionnaire. This will help us to not guess as to what you
are looking for and hopefully be time saving for both of us as it should reduce the back and forth. I reviewed the HOA budget and project info provided by the HOA. I compared form 1076 to what was provided and nothing is standing out to me
as missing. - Seller-07/10/2026
Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing questionnaire to complete the full review
required by XX Finding #36 which states the project does not have a decision in CPM. HOA Questionnaire provided does not include all of the data noted on XXXX full review form. Additional findings may apply and project review to be
completed upon receipt. - Due Diligence Vendor-07/10/2026
|
Ready for Review-Document Uploaded. Client requested to have the address changed on the Lender Cert and they were declined by CPM (see
screen print attached). They provide a comment that they cannot make this change. The handwritten HOA questionnaire in the file does show the subject property address of XXXX, the 8 looks a little bit like a 9 as it is handwritten. Please
clear this condition. XXXX - Seller-07/15/2026
Ready for Review-Please detail which items you feel are missing from the HOA questionnaire. This will help us to not guess as to what
you are looking for and hopefully be time saving for both of us as it should reduce the back and forth. I reviewed the HOA budget and project info provided by the HOA. I compared form 1076 to what was provided and nothing is standing out to
me as missing. - Seller-07/10/2026
|
Resolved-Received CPM verification stating address update is not allowed as long as the address reflected in CPM is located within the
subject project. - Due Diligence Vendor-07/16/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
N/A
|
N/A
|
10176652
|
||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FCRE1509
|
2026-07-09 12:27
|
2026-07-10 11:40
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Closing
|
Issues exist on the Note Document
|
Waived-Originator waiver applied to non material finding - Due Diligence Vendor-07/10/2026
Open-There are Issues Present on the Note that must be addressed. Notary date of XXXX is prior to the Note date of XXXX. - Due Diligence
Vendor-07/09/2026
|
Waived-Originator waiver applied to non material finding - Due Diligence Vendor-07/10/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
No
|
10154869
|
|||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FCRE1115
|
2026-07-09 10:57
|
2026-07-10 11:40
|
Waived
|
2 - Non-Material
|
C
|
B
|
Credit
|
Closing
|
Security Instrument Date is greater than current date
|
Waived-Originator waiver applied to non material finding - Due Diligence Vendor-07/10/2026
Open-Security Instrument Date is greater than the transaction date of XXXX -----Notary date of XXXX is prior to the closing date of XXXX.
- Due Diligence Vendor-07/09/2026
|
Waived-Originator waiver applied to non material finding - Due Diligence Vendor-07/10/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
No
|
10151904
|
|||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FCOM1124
|
2026-07-09 11:25
|
2026-07-09 11:29
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 1 Final Signature Date is in the future
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. -
Due Diligence Vendor-07/09/2026
|
Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. -
Due Diligence Vendor-07/09/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
No
|
10152503
|
|||
|
1236216
|
XXXX
|
XXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Closed
|
FCOM1125
|
2026-07-09 11:25
|
2026-07-09 11:29
|
Waived
|
2 - Non-Material
|
B
|
B
|
Compliance
|
Data
|
Borrower 2 Final Signature Date is in the future
|
Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. -
Due Diligence Vendor-07/09/2026
|
Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. -
Due Diligence Vendor-07/09/2026
|
LTV is less than guideline maximum - Rule False 71.72% LTV is less than 80% maximum.
Qualifying FICO score is at least 20 points above minimum for program - Rule False 760 FICO exceeds 680 minimum requied.
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
XXXX
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
Originator Post-Close
|
No
|
10152504
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Transaction ID
|
Field Name
|
Source
|
Verified Value
|
Bid Tape Value
|
Comment
|
|
1199877
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
Single Family Detached
|
Single Family
|
per appraisal report
|
|
|
1201198
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageInitial
|
XXXX
|
XXXX
|
Per Rate lock and COC in the file
|
|
|
1208350
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Revised LE
|
|
|
1208822
|
XXXX
|
XXXX
|
XXXX
|
Property Address
|
notePage
|
XXXX
|
XXXX
|
Per Note (and other legal docs)
|
|
|
1211155
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageInitial
|
XXXX
|
XXXX
|
Per TRID Loan Estimate Initial
|
|
|
1211155
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
34.99
|
32.24
|
Audit matches XX/1008.
|
|
|
1212694
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Title and Appraisal
|
|
|
1212805
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Title and Appraisal
|
|
|
1212808
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Title and Appraisal.
|
|
|
1212808
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
41.32
|
37.58
|
Matches 1008/XX
|
|
|
1212984
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Rate Lock Agreement in file
|
|
|
1214616
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per title and appraisal
|
|
|
1214616
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageInitial
|
XXXX
|
XXXX
|
per LE
|
|
|
1214874
|
XXXX
|
XXXX
|
XXXX
|
Borrower 2 First Name
|
notePage
|
XXXX
|
XXXX
|
Per Note
|
|
|
1215336
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per appraisal and title
|
|
|
1216989
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Title and Appraisal
|
|
|
1216989
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageInitial
|
XXXX
|
XXXX
|
Per Initial 1003
|
|
|
1217891
|
XXXX
|
XXXX
|
XXXX
|
Borrower 2 Last Name
|
notePage
|
XXXX
|
XXXX
|
Per Note
|
|
|
1218316
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Appraisal
|
|
|
1218316
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
43.7
|
38.75
|
Within 2% of Lender DTI on 1008
|
|
|
1218720
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
per title and appraisal
|
|
|
1219436
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Interest Lock agreement
|
|
|
1219436
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
46.33
|
43.37
|
Within 2% of Lender DTI on 1008
|
|
|
1219804
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Lock-In Agreement in file
|
|
|
1220470
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
19.33
|
15.89
|
Audited matches XX and 1008
|
|
|
1222307
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per title and appraisal
|
|
|
1222427
|
XXXX
|
XXXX
|
XXXX
|
Note Date
|
notePage
|
XXXX
|
XXXX
|
Per Note
|
|
|
1222743
|
XXXX
|
XXXX
|
XXXX
|
Qualifying FICO
|
creditLiabilitiesPage
|
808
|
805
|
Per credit report and AUS
|
|
|
1222951
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per 1008 and appraisal
|
|
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
Property Zip Code
|
notePage
|
XXXX
|
XXXX
|
Per Note and legal documents.
|
|
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per title and appraisal.
|
|
|
1223964
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
32.45
|
13.5
|
Audited DTI matches FINAL XX
|
|
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per Appraisal
|
|
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
40.97
|
51.05
|
Within 2% of Lender DTI on 1008
|
|
|
1226300
|
XXXX
|
XXXX
|
XXXX
|
Loan Amount
|
notePage
|
XXXX
|
XXXX
|
Per Note
|
|
|
1226300
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
19.23
|
11.93
|
Audited matches XX and 1008
|
|
|
1228220
|
XXXX
|
XXXX
|
XXXX
|
Primary Appraised Property Value
|
propertyValuationPage
|
XXXX
|
XXXX
|
2 Full Appraisals – used Lower Appraised Value (Review Product 1)
|
|
|
1228264
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
Per title and appraisal
|
|
|
1228264
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Rate Lock
|
|
|
1229347
|
XXXX
|
XXXX
|
XXXX
|
Property Type
|
propertyValuationPage
|
PUD
|
Single Family
|
per title and appraisal
|
|
|
1229347
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
lock confirmation - page 1
|
|
|
1230622
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
45.69
|
42.13
|
Audit value excludes new hire RSU stock vestings.
|
|
|
1236216
|
XXXX
|
XXXX
|
XXXX
|
Date Last Rate Was Set
|
tridLePageRevised
|
XXXX
|
XXXX
|
Per Lock Agreement
|
|
|
1236216
|
XXXX
|
XXXX
|
XXXX
|
Qualifying Total Debt Income Ratio
|
diligenceFinalLookPage
|
42.04
|
48.43
|
Audit value closely matches 1008 and XX
|
|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Lender Application Date
|
Originator QM Status
|
Final QM Status
|
Originator QM Status Difference than Final QM Status?
|
Reason Why NonQM Final Status
|
APR Pricing Threshold Exceeded?
|
QM DTI Threshold Exceeded?
|
Higher Priced Mortgage Loan (HPML)?
|
Negatively Amortizing Loan?
|
Principal Deferment?
|
Interest Only Flag?
|
Prepayment Penalty?
|
Balloon Flag?
|
Adjustable Rate Balloon?
|
Loan Term Less Than 5 Years?
|
QM Points and Fees Threshold Exceeded?
|
QM Total Points and Fees
|
APR
|
ATR: Qualifying Payment Properly Considered?
|
ATR: Current Employment/Self-Employment Verified?
|
ATR: Balloon Qualifying Payment Properly Considered?
|
ATR: Reasonable Income or Assets Considered?
|
ATR: Subject PITIA Adequately Documented?
|
ATR: All Liabilities Including Alimony and Child Support in DTI?
|
ATR: Simultaneous Loan Calculated Properly
|
ATR: Credit History was Considered Properly?
|
ATR: Did Lender Document All ATR Factors?
|
ATR: Was an ATR/QM Residual Income Analysis Provided?
|
Residual Income
|
Residual Income Meets Guidelines?
|
Borrower 1 Employment Indicator
|
Borrower 2 Employment Indicator
|
Borrower 1 Foreign National Indicator
|
Borrower 2 Foreign National Indicator
|
Business Purpose Loan?
|
Business Purpose Verified?
|
|
1199877
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1395
|
6.133
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
N/A
|
Yes
|
Yes
|
Yes
|
40806.89
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1201198
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1595
|
6.273
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
N/A
|
Yes
|
Yes
|
Yes
|
56767.95
|
N/A
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|||
|
1203658
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1950
|
6.66
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
15613.48
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1203723
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1595
|
6.141
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
72926.52
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1208350
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
0
|
6.25
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
15424.51
|
N/A
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|||
|
1208822
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
950
|
6.389
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
13339.55
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1211155
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1690
|
6.281
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
N/A
|
Yes
|
Yes
|
Yes
|
26629.86
|
N/A
|
Not Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1212694
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1620
|
6.53
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
25893.68
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1212805
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
5042.5
|
6.312
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
21419.35
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1212808
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
3366
|
6.285
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
20940.03
|
N/A
|
Retired
|
No
|
No
|
|||||
|
1212984
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
0
|
6.375
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
10161.89
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1214616
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
6290
|
6.073
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
16406.32
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1214874
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
2090
|
6.229
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
49466.29
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1215336
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1145
|
6.269
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
22465.34
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1215354
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
2500
|
6.15
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
11187.28
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1216200
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1370
|
6.267
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
31126.93
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1216288
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1409.6
|
6.388
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
24614.16
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1216989
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
95
|
6.385
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
9439.51
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1217891
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1990
|
6.196
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
27703.22
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1218316
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1690
|
6.716
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
18749.9
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1218720
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1890
|
6.401
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
25787.45
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1219435
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1950
|
6.283
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
18373.15
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1219436
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
0
|
6.5
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
14572.25
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1219804
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1595
|
6.403
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
22541.06
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1220470
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1891.88
|
6.273
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
37366.48
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1222307
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1990
|
6.419
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
30473.28
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1222427
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1695
|
6.543
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
27788.17
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1222743
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
2325
|
6.406
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
17215.76
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1222951
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
2320
|
6.285
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
17775.2
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1223118
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
10110.75
|
6.268
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
N/A
|
Yes
|
68353.03
|
N/A
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|||
|
1223964
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
995
|
6.395
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
70434.79
|
N/A
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|||
|
1224128
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1395
|
6.42
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
16697.44
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1224671
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1750
|
6.262
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
35568.76
|
N/A
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|||
|
1226236
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1675
|
6.412
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
8983.29
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1226300
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1790
|
6.274
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
31839.78
|
N/A
|
Not Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1226432
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1895
|
6.575
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
23206.68
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1228220
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
10250
|
6.04
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
25606.18
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1228264
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
0
|
5.875
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
13092.66
|
N/A
|
Employed
|
No
|
No
|
|||||
|
1229347
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1370
|
6.397
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
34454.59
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1230622
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1675
|
6.136
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
28219.94
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1232222
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor Verified (V SH)
|
QM: Safe Harbor Verified (V SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
3343
|
6.545
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
32024.76
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|
|||
|
1235033
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1895
|
6.295
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
17317.22
|
N/A
|
Retired
|
Not Employed
|
No
|
No
|
No
|
|||
|
1236216
|
XXXX
|
XXXX
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
0
|
6.25
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
11276.47
|
N/A
|
Employed
|
Employed
|
No
|
No
|
No
|