MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM11 ABS-15G

 

Exhibit 99.3 - Schedule 6

 

Loan Number Seller Loan Number Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
10161212 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/24/2026 Resolved XXX Credit Guarantor Identification Missing or Defective Borrower is a non-permanent resident with a Visa that expired XX/XX/XXXX. Please provide a new Visa or XXX: XXX XXX: Update to XXX 4/30/2026 XXX: Update to XXX received 04/30/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10161212 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/24/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard insurance effective date is XX/XX/XXXX while the disbursement date is XX/XX/XXXX. Please provide an updated hazard policy with an effective date of XX/XX/XXXX or earlier: XXX. XXX: Previous Insurance uploaded 5/4/2026 XXX: Received previous valid insurance 05/04/2026   C A C A C A C A N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10287871 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/12/2026 Acknowledged XXX Credit Maximum Loan Amount Exceeded XXX > XXX max loan amount on Investor DSCR Program XXX: Exception Approval uploaded 5/14/2026 XXX: Received Exception Approval 05/14/2026 XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX, XXX reserves, not inlcuding cash-out. Property is in a very upscalre area of Long Island, NY (the Hamptons) C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10287871 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/14/2026 Acknowledged XXX Credit Excessive LTV Ratio XXX% > 60% LTV limit for loans over XXX XXX: Exception Approval Uploaded 5/14/2026 XXX: Received Exception Approval 05/14/2026 XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX, XXX reserves, not inlcuding cash-out. Property is in a very upscalre area of Long Island, NY (the Hamptons) C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10369429 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/22/2026 Resolved XXX Property Flood Insurance Missing or Defective Missing flood certificate for subject: XXX XXX: Flood Cert Uploaded 6/11/2026 XXX: Received Flood Cert 06/11/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323508 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/27/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10287788 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/29/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323501 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10287810 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/02/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323540 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323526 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/12/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323571 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/12/2026 Acknowledged XXX Credit Hazard Insurance Missing or Defective Missing rental loss coverage XXX: Automatic waive received 6/5/2026 XXX: Automatically Waived 06/05/2026 XXX months reserves greater than program requirement, FICO XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10287857 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/15/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10287861 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/15/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10287881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/17/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323554 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/23/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323569 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323556 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323514 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/02/2026 Acknowledged XXX Credit Excessive LTV Ratio 80% LTV > 75% LTV limit for a cash out refinance transaction XXX: Exception Approval Uploaded 7/9/2026 XXX: Received Exception Approval 07/09/2026 XXX months reserves greater than program requirement, VOR/VOM XXX, Decrease in Mortgage Payment by over XXX% C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10323502 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/02/2026 Resolved XXX Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing VOM for borrower's primary residence: XXX XXX: VOM uploaded 7/7/2026 XXX: VOM received 07/07/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369467 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369466 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/08/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369485 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/13/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: Deed 7/14/2026 XXX: Deed received 07/15/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369469 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/13/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: deed 7/14/2026 XXX: Deed received 07/15/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369477 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/14/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369470 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/16/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369472 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/16/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: Deed 7/17/2026 XXX: Deed received 07/17/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369460 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/17/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369433 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/17/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369462 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/20/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369484 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369499 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369501 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369500 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369459 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369453 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369464 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369473 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369432 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369450 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX Credit Credit Report Missing or Defective Missing credit report for: XXX XXX: Credit Report 8/5/2026 XXX: Credit Report received 08/05/2026   D B D A D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10369450 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Acknowledged XXX Property Hazard Insurance Missing or Defective Missing Rent Loss Coverage XXX: Automatic waive with XXX additional months reserves 7/24/2026 XXX: Automatic waive XXX additional months reserves confirmed 07/24/2026 XXX additional months reserves, FICO XXX D B C B D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10392996 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369435 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369447 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369410 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369436 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/04/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369437 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369457 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX Property Ineligible Property The subject property is located in a rural area and is not situated within a resort area. XXX: Please see attached evidence of the property in a resort town. 8/12/2026 XXX: Received evidence of the property in a resort town. 08/12/2026   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from the XXX XXX: Conveyance Deed uploaded 8/11/2026 XXX: Conveyance Deed received 08/11/2026   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10392976 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10161327 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/11/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10109965 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/19/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from the XXX XXX: Deed uploaded 3/23/2026 XXX: Received Deed 03/23/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220398 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/26/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10084745 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/06/2026 Resolved XXX Property Hazard Insurance Missing or Defective XXX Dwelling Coverage < XXX loan amount. Policy does not appear to include XXX% replacement cost. Please provide further coverage or replacement cost estimator. XXX: Uploaded updated coverage 2/18/2026 XXX: Received updated coverage 02/18/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10084906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/16/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10084908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/19/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179325 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/05/2026 Resolved XXX Credit Title Insurance Missing or Defective Provided Supplemental Title report is missing ISAOA clause. Please provided updated Supplemental Report XXX: Uploaded updated Title Policy 3/12/2026 XXX: Received updated Title Policy 03/12/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179441 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/09/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179438 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179360 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179467 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/18/2026 Resolved XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX. The Flood Cert in the file is for the same borrower but different property. XXX: Flood Certificate 3/23/2026 XXX: Received Flood Cert 03/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179482 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/27/2026 Resolved XXX Property Completion Report or 1004D - Missing Missing 1004D for Subject Property: XXX XXX: Uploaded 1004D 3/31/2026 XXX: Received 1004D 03/31/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10179482 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/27/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum DSCR for Core DSCR. XXX Market Rents XXX / XXX PITIA = XXX DSCR XXX: Uploaded Lease Agreement and proof of rent 3/30/2026 XXX: Received Lease Agreement and proof of rent 03/30/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365346 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/02/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing evidence the vacant subject property is actively being marketed for rent. XXX: Active lease agreement uploaded 7/16/2026 XXX: Active lease agreement received 07/16/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365356 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/09/2026 Resolved XXX Credit Insufficient Assets to Close XXX ssets < XXX minimum required liquidity for cash to close and reserves. Please provide additional assets. We are calculating assets using $XXX in the XXX account #XXX, XXX gift funds, and XXX REO cash-out refi. XXX: Final Settlement Statement 6/10/2026 XXX: Final Settlement Statement received 06/10/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10286410 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/11/2026 Resolved XXX Property Ineligible Property Condo Questionnaire item XXX-f shows one entity owns all XXX units of the condo. Per guides, projects where one entity owns more than XXX% of the total number of units are ineligible XXX: HOA clarification email uploaded 6/15/2026 XXX: HOA clarification email received 06/15/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333361 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/19/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10329051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/25/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333309 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/26/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 06/30/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333337 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/01/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333359 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/01/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333284 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/01/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333264 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10329042 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/07/2026 Resolved XXX Credit Hazard Insurance Missing or Defective Missing Hazard insurance policy premium for subject property: XXX XXX: Hazard Policy invoice uploaded 7/8/2026 XXX: Hazard Policy invoice received 07/08/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10329042 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/07/2026 Resolved XXX Property Appraisal Review - Missing Missing appraisal review for subject property: XXX XXX: BPO uploaded 7/9/2026 XXX: BPO received 07/09/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333339 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/07/2026 Resolved XXX Credit Title Insurance Missing or Defective Missing Title Commitment or Preliminary Title Report XXX: Title Report uploaded 7/9/2026 XXX: Title Report received 07/09/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333340 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/07/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333370 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/07/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333272 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/08/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333347 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399534 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/14/2026 Acknowledged XXX Credit Insufficient Assets to Close XXX assets < XXX minimum required liquidity for closing costs and reserves. Please provide additional assets. XXX: Exception Waiver uploaded 7/15/2026 XXX: Exception Waiver received 07/16/2026 FICO > XXX Experienced Investor C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10333404 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/16/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365368 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/16/2026 Resolved XXX Property Market Rent - Missing or Defective Missing XXX for subject property: XXX XXX: XXX uploaded 8/12/2026 XXX: XXX received 08/12/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333343 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/16/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/21/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333403 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/21/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10286403 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/21/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX required for the Core DSCR program. Current calculation is XXX Market Rent / $XXX PITIA = XXX DSCR. PITIA is currently being calculated as: XXX P&I + XXX Taxes + XXX HOI + XXX Flood + XXX HOA = XXX PITIA. In addition, we're using market rents to qualify as we don't have receipt of two month's rent payments to allow the use of the higher lease rent of $XXX. If using the lease rents to qualify the DSCR still fails at XXX. XXX: Receipt of rents uploaded 7/30/2026 XXX: Receipt of rents received 07/22/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365439 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/21/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365419 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/20/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365512 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/23/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365401 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365465 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333299 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/27/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365518 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/24/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365453 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/27/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333334 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/29/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365467 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 07/29/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365413 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/04/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399539 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/04/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399638 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399552 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/04/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399557 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Acknowledged XXX Property Ineligible Property – Square Footage Subject property square footage of XXX < XXX minimum square footage required for a Condominium property XXX: Exception Waiver uploaded 8/12/2026 XXX: Exception Waiver received 08/12/2026 XXX FICO = XXX points above the min guideline, LTV 58.511% - XXX% under the guideline max, DSCR > XX/XX/XXXX D B C B A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10399564 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399577 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399520 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399529 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399530 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/06/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing operating agreement(s) for XXX to prove access to funds in bank account used for liquidity. (XXX #XXX) XXX: Operating Agreement uploaded 8/12/2026 XXX: Operating Agreement received 08/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399546 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/06/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399609 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399557 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Resolved XXX Property Hazard Insurance Missing or Defective Missing HO-6 hazard insurance policy for the subject: XXX–XXX, XXX. Hazard Insurance Master Policy provided but doesn't reflect walls-in coverage. XXX: Rescind in file 8/7/2026 XXX: Rescind in file 08/07/2026   D B D A A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10399563 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/05/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399565 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399606 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/10/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/10/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing Lease Agreement for subject property: XXX XXX: Rescind, meets guidelines 8/11/2026 XXX: Rescind, meets guidelines 08/11/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 08/11/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines.           D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
9389039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 09/26/2025 Resolved XXX Credit Release of Lien/Subordination Agreement/Satisfaction Missing or Defective Preliminary Title Report, Item 1C reflects property has been declared tax defaulted. Please provide satisfaction of property taxes in the amount of XXX XXX: HUD attached with tax payoff 9/29/2025 XXX: Received HUD payoff 10/01/2025   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10099599 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 12/4/2025 XXX: Received 12/08/2025   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10099599 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 12/4/2025 XXX: Received 12/09/2025   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220719 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/17/2026 XXX: Clear 03/17/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220709 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/23/2026 XXX: Clear 03/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220728 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/7/2026 XXX: Clear 04/07/2026   D B D A B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/7/2026 XXX: Clear 04/07/2026   D B D A B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/13/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Closing Protection Letter does not list each collateral property. Each collateral property must be named per guidelines. XXX: Uploaded 3/20/2026 XXX: Clear 03/20/2026   D B C A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/17/2026 XXX: Clear 03/17/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/17/2026 XXX: Clear 03/17/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/17/2026 XXX: Clear 03/17/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/12/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/17/2026 XXX: Clear 03/17/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/13/2026 Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance does not have at least XXX months left in current term before closing for subject properties: XXX XXX Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Date of Origination: XX/XX/XXXX. XXX: Exception waiver in file 3/20/2026 XXX: Waived 03/20/2026 XXX FICO, XXX months reserves, 57% LTV D B C B C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/16/2026 Resolved XXX Credit Desk Review Variance > 10% Appraisal Review for subject property: XXX is greater than XXX% XXX% XXX: Uploaded 4/7/2026 XXX: Clear 04/07/2026   D B C A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/16/2026 Resolved XXX Credit Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/23/2026 XXX: Clear 04/23/2026   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/16/2026 Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance does not have at least XXX months left in current term before closing for the subject property. Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Date of Origination: XX/XX/XXXX. XXX: Exception waiver in file 3/16/2026 XXX: Waived 03/16/2026 XXX FICO, 73% LTV, XXX x XXX D B B B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220728 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/17/2026 Acknowledged XXX Credit DSCR Restrictions DSCR of XXX < XX/XX/XXXX DSCR minimum for short term rentals. XXX: Exception waiver in file 3/17/2026 XXX: Waived 03/17/2026 FICO XXX x XXX x XXX using XXX% of market rent D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220728 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/17/2026 Acknowledged XXX Credit Short Term Rental Documentation Missing or Defective Refinance of a property not currently used as a STR isineligible, not allowed per guidelines. XXX: Exception waiver in file 3/17/2026 XXX: Waived 03/17/2026 FICO XXX x XXX x XXX using XXX% of market rent D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/17/2026 Acknowledged XXX Credit DSCR Restrictions DSCR of XXX < XX/XX/XXXX DSCR minimum for short term rentals. XXX: Exception waiver in file 3/17/2026 XXX: Waived 03/17/2026 FICO XXX x XXX x XXX using XXX% of market rent D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/17/2026 Acknowledged XXX Credit Short Term Rental Documentation Missing or Defective Refinance of a property not currently used as a STR is ineligible, not allowed per guidelines. XXX: Exception waiver in file 3/17/2026 XXX: Waived 03/17/2026 FICO XXX x XXX x XXX using XXX% of market rent D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220742 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/18/2026 Resolved XXX Credit Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/23/2026 XXX: Clear 03/23/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220741 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/18/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/23/2026 XXX: Clear 03/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220744 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/18/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/23/2026 XXX: Clear 03/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220748 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/25/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/31/2026 XXX: Clear 03/31/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220748 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/25/2026 Resolved XXX Property Flood Certification/Determination - Missing Missing Flood Certification for property located at XXX XXX: Uploaded 3/31/2026 XXX: Clear 03/31/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220748 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/25/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220748 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/25/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 3/31/2026 XXX: Clear 03/31/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220748 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/26/2026 Resolved XXX Credit Background Report Aged Background report for qualifying sponsor: XXX is aged XXX days. Must be within XXX days of XXX per guidelines. XXX: Uploaded 4/2/2026 XXX: Clear 04/02/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220753 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 03/27/2026 Resolved XXX Credit Deed Missing or Defective Vested entity on title is XXX and borrowing entity on mortgage and note is XXX. MISSING CONVEYANCE DEED from XXX to XXX. XXX: Uploaded 4/2/2026 XXX: Clear 04/02/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268972 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D B D A A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10268974 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268946 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D B D A B B D B N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
10268947 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/14/2026 XXX: Clear 04/14/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268946 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Acknowledged XXX Credit Non-Occupant Borrower Requirements Not Met Borrower is in yellow status for a loan being past maturity, taxes and insurance advances owed, and loan on watchlist XXX: Exception waiver in file 4/8/2026 XXX: Waived 04/08/2026 Fico XXX XX/XX/XXXX months reserves, XX/XX/XXXX DSCR D B B B B B D B N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
10268946 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/08/2026 Acknowledged XXX Property Hazard Insurance Missing or Defective Insurance policy expires less than XXX months after closing. XXX: Exception waiver in file 4/8/2026 XXX: Waived 04/08/2026 Fico XXX XX/XX/XXXX months reserves, XX/XX/XXXX DSCR D B B B B B D B N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
10268956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/09/2026 Acknowledged XXX Property Ineligible Property Property square footage of XXX < XXX sqft minimum required per guidelines XXX: Exception waiver in file 4/9/2026 XXX: Waived 04/09/2026 Fico XXX DSCR XXX D B B B A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10268990 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 4/21/2026 XXX: Clear 04/21/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268990 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 4/21/2026 XXX: Clear 04/21/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268989 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268989 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268988 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268988 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268992 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268978 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 4/27/2026 XXX: Clear 04/27/2026   D B D A B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268980 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 4/27/2026 XXX: Clear 04/27/2026   D B D A B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268982 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX for subject property. XXX: Uploaded 4/27/2026 XXX: Clear 04/27/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268993 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268993 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268977 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Acknowledged XXX Credit Title Insurance Missing or Defective Title Commitment is aged XXX days outside of XXX days XXX: Exception waiver in file 4/16/2026 XXX: Waived 04/16/2026 Fico XXX, DSCR of XX/XX/XXXX B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268981 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/16/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard Insurance does not have at least XXX months left in current term before closing for the subject property. Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Date of Origination: XX/XX/XXXX XXX: Uploaded 4/30/2026 XXX: Clear 04/30/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268978 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/17/2026 Acknowledged XXX Credit Non-Occupant Borrower Requirements Not Met Refinances currently in default or there is evidence of non-performance XXX: Exception waiver in file 4/17/2026 XXX: Waived 04/16/2026 Fico XXX, 75% LTV D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268980 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/17/2026 Acknowledged XXX Credit Non-Occupant Borrower Requirements Not Met Refinances currently in default or there is evidence of non-performance XXX: Exception waiver in file 4/17/2026 XXX: Waived 04/16/2026 Fico XXX, 75% LTV D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269013 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/23/2026 Resolved XXX Credit Missing Background Check Missing Background check for Borrower : XXX XXX: Uploaded 4/27/2026 XXX: Clear 04/27/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269008 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/27/2026 Resolved XXX Credit Credit Event – Requirement Not Met XXX days > XXX days minimum requirement for credit report age. Please provide updated credit report for subject borrower: XXX - Data Tape does not specify qualifying sponsor. XXX: Qualifying Sponsor was XXX. Credit Pulled XX/XX/XXXX 4/29/2026 XXX: Clear 04/29/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269004 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/23/2026 Acknowledged XXX Credit Excessive LTV Ratio LTV fails with a sub XXX FICO and a DSCR of XX/XX/XXXX per guidelines XXX: Exception waiver in file 4/23/2026 XXX: Waived 04/23/2026 XXX, XXX months reserves B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269018 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/23/2026 Resolved XXX Property Appraisal Review - Missing Missing Apprasial Review Report for XXX XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269018 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/23/2026 Resolved XXX Credit Background Report Aged Background Report for qualifying sponsor: XXX is aged XXX days. Guideline requirement of XXX days within XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269005 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/24/2026 Acknowledged XXX Credit First Time Homebuyer First time home buyer. Per guidelines you need to have at leat XXX XXX: Exception waiver in file 4/24/2026 XXX: Waived 04/24/2026 LTV of 80%, DSCR of XX/XX/XXXX and FICO of XXX C B B B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269005 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/27/2026 Acknowledged XXX Credit Minimum Credit Trade Line Requirement Not Met Qualifying Sponsor: XXX does not meet minimum tradeline count. XXX is a authorized user account which is not a acceptable tradeline per guidelines. The XXX account is terminated and the XXX has been open for less than a year. XXX: Exception waiver in file 4/29/2026 XXX: Waived 04/29/2026 XXX FICO, 75% LTV, XXX x XXX x XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269014 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/27/2026 Acknowledged XXX Credit Significant Derogatory Credit Event – Requirement Not Met Account is dispute is greater than XXX not allowed per guidelines. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX months reserves, XX/XX/XXXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269014 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/27/2026 Acknowledged XXX Credit Significant Derogatory Credit Event – Requirement Not Met Borrower has a open lawsuit and waiving requirement for copy of the actual complaint. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX months reserves, XX/XX/XXXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269017 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/28/2026 Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance policy not effective with at least XXX months left in the current term per guidelines. Hazard Insurance effective dates XX/XX/XXXX to XX/XX/XXXX. Date of Origination: XX/XX/XXXX XXX: Exception waiver in file 4/28/2026 XXX: Waived 04/28/2026 FICO XXX LTV 70%, XXX x XXX x XXX B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/28/2026 Acknowledged XXX Credit Significant Derogatory Credit Event – Requirement Not Met Background Report for Qualifying Sponsor: XXX reflects a petit theft charge that she was found guilty of. Not allowed per guidelines. XXX: Exception waiver in file 5/4/2026 XXX: Waived 05/04/2026 XXX FICO, XX/XX/XXXX DSCR, XXX x XXX x XXX D B C B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269025 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/28/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating agreement, Articles of Incorporation for : XXX XXX: Uploaded 4/29/2026 XXX: Clear 04/29/2026   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/28/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/23/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/28/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D B D A A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10269036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/29/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 04/29/2026 Acknowledged XXX Property Non-Occupant Borrower Requirements Not Met Evidence of non-performance, default or foreclosure XXX: Exception waiver in file 4/29/2026 XXX: Waived 04/29/2026 XX/XX/XXXX DSCR, XXX, and XX/XX/XXXX months in reserves D B B B A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10065768 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/29/2026 Cleared XXX No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XXX: Clear 01/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10065766 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/23/2026 Cleared XXX No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XXX: Clear 02/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10139430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 01/23/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   1/23/2026   01/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325098 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 03/11/2026 Resolved XXX Property Condo Questionnaire Missing or Defective Missing Condo Questionnaire for subject project XXX XX/XX/XXXX: Please see the attached condo questionnaire. 3/12/2026 XXX: Received 03/12/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325104 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 03/17/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   3/17/2026   03/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325129 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/07/2026 Resolved XXX Credit Insufficient Assets for Reserves XXX verified liquidity < XXX minimum liquidity required for closing costs and reserves. Please provide additional asset documentation. XX/XX/XXXX: Please see the supporting documentation attached for the $XXX loan secured against business asset 4/10/2026 XXX: Received 04/10/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/15/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/15/2026   04/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307853 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307868 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307865 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307846 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307843 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Rescinded XXX Credit Insufficient Assets to Close XXX verified liquidity < XXX minimum liquidity required.   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307804 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307788 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX Credit Asset Documentation Missing or Defective Insufficient funds to close. Please provide evidence of proceeds from sale reflected on URLA. XX/XX/XXXX: Please see uploaded final ALTA for the sale of the non-subject property and proceeds to the borrower. 4/23/2026 XXX: Received 04/23/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307867 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines.   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307793 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines.   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307802 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines.   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307849 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307858 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307872 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307873 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307878 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307785 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307797 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/21/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/20/2026   04/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307811 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/21/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/21/2026   04/21/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307791 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/21/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines.   4/21/2026   04/21/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307821 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporations Document: XXX The Operating agreement attached contains all information found in the articles of incorporation. 5/1/2026 XXX: Received XXX: Per XX/XX/XXXX guidelines, the Articles of Incorporation is a required LLC document. 05/01/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307823 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines XX/XX/XXXX: Please see the attached business documentation. 4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307828 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307829 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307795 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX Credit Sales Contract Missing or Defective Missing Purchase Agreement XX/XX/XXXX: Please see the attached purchase agreement. 4/29/2026 XXX: Received 04/29/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307794 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307796 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307847 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307928 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307792 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307843 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 04/16/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/16/2026   04/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307813 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX Property Subject Property Lease - Missing or Defective Missing market rent XXX or lease agreement for subject property: XXX XX/XX/XXXX: Please see the attached lease agreement. 5/7/2026 XXX: Received 05/07/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307784 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307790 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307799 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307803 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307807 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307814 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307815 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307817 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307826 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307827 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307831 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307833 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/5/2026   05/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307929 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX: Attached 5/12/2026 XXX: Received 05/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307945 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX Credit Asset Documentation Missing or Defective Missing proof of access and Operating Agreement for assets held in XXX #XXX under XXX. Please provide documentation to make the business funds an eligible asset. XX/XX/XXXX: Please see attached confirmation the borrower is the sole agent and officer of the LLC, guidelines indicate if borrower is XXX% owner they have access to the business funds. 5/12/2026 XXX: Received 05/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307883 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement and Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: Please see the screen shot attached from our internal UW system confirming the third party SE verification was uploaded on XX/XX/XXXX 5/21/2026 XXX: Received XXX: Borrowing entity of this transaction is XXX. Please provide entity documentation to verify status. 05/21/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307885 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement and Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: Please see attached operating agreement. 5/12/2026 XXX: Received XXX: Articles of Incorporation provided. Please provide operating agreement as well. Finding description updated. 05/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307877 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating agreement and Company Resolution for the Entity for XXX XX/XX/XXXX: Please see the attached Operating Agreement. 5/7/2026 XXX: Received 05/07/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307877 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX Credit Asset Documentation Missing or Defective Missing Asset Documents XX/XX/XXXX: The loan was qualified with a XXX exchange. Please see the attached exchange agreement. 5/7/2026 XXX: Received 05/07/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307880 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX Property Hazard Insurance Missing or Defective Missing master policy for subject property condominium project. XX/XX/XXXX: Please see the attached condo master insurance policy. 5/7/2026 XXX: Received 05/07/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307845 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307850 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307851 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307852 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307835 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307856 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307840 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307841 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307844 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307860 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307910 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307913 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307876 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307879 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307864 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/7/2026   05/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307869 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/7/2026   05/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307889 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/7/2026   05/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307895 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/7/2026   05/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307914 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307915 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307923 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307894 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307927 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307961 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307958 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307956 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307954 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307940 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307935 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307863 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307866 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307871 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Acknowledged XXX Property Desk Review Variance > 10% Secondary valuation value variance is > -10% allowed.   5/8/2026   05/08/2026   B B B B A A B B N/A N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10307874 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307901 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307939 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307904 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307905 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307941 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307948 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307875 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/09/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/9/2026   05/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307926 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). Non-XXX Close refinance transaction. XX/XX/XXXX: Please see the CPL attached 5/21/2026 XXX: Received 05/21/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307886 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX Credit Title Insurance Missing or Defective Missing preliminary title policy/title commitment. Title policy documentation in file only includes the supplemental. XX/XX/XXXX: Please see the attached prelim report. 5/14/2026 XXX: Received 05/14/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307951 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX - Please see uplaoded document, operating agreement as requested 5/19/2026 XXX: Received 05/19/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307919 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/14/2026   05/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307920 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/14/2026   05/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307947 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX Please see the articles of incorporation attached 5/19/2026 XXX: Received 05/19/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307937 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/14/2026   05/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307924 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/12/2026   05/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307922 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX Credit Mortgage Payment History Missing or Defective Missing evidence of rental history reflected on 1003. Please provide verification of rent for current borrower address: XXX XX/XX/XXXX:Please see attached, lease and payment information as requested. 5/19/2026 XXX: Received 05/19/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307820 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/13/2026   05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307859 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/13/2026   05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307888 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/13/2026   05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307890 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/13/2026   05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307893 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/13/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/13/2026   05/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307922 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/14/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). Non-XXX Close purchase transaction. Please see attached, closing protection letter as requested 5/19/2026 XXX: Received 05/19/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307934 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307870 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/21/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX: Please see attached, Operating agrement as requested 5/21/2026 XXX: Received 05/21/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307955 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307808 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307861 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/20/2026   05/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307907 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307918 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307931 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/20/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/20/2026   05/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307949 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/19/2026   05/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307798 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 03/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   3/6/2026   03/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307946 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 03/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   3/8/2026   03/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325133 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325144 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325115 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325161 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance For subject propery : XXX XX/XX/XXXX: Please see the attached subject HOI policy. 6/1/2026 XXX: Received 06/01/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325093 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325112 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325113 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325123 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325117 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/28/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX: attached 6/1/2026 XXX: Received 06/01/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325134 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325109 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325101 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325108 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325111 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325198 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/09/2026 Rescinded XXX Credit Title Insurance Missing or Defective Preliminary Title Report in file is MISSING MORTGAGEe clause after lender's name. Please provide Supplement Title Report with ISAOA/ATIMA   6/9/2026   06/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325151 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/28/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/28/2026   05/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325154 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX Property Ineligible Property Lease agreement in file reflects the subject property as owner occupied, which is ineligible per guideline requirements We have communicated with our Product Expert who agree that our guidelines do not address this situation, and thus do not prohibit it. In the case where DSCR guidelines are silent, we revert to XXX guidance whom only discuss non-arms length transactions on purchases, a product type that doesn't apply to this transaction. No guideline for our product prohibits the borrower's business from renting the subject and the income to be used. 6/10/2026 XXX: Overlay confirmed 06/10/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325155 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/28/2026 Resolved XXX Credit Hazard Insurance Missing or Defective Missing master policy for subject property. Hazard insurance policy in file does not include dwelling coverage. XX/XX/XXXX: Please see uploaded insurance information. The annual policy began on XX/XX/XXXX, expires XX/XX/XXXX, and the coverage amount is XXX 6/1/2026 XXX: Received 06/01/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325157 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/28/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/28/2026   05/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325162 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/28/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/28/2026   05/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325241 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/12/2026   06/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325267 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/17/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). Please see uploaded CPL. 6/18/2026 XXX: Received 06/18/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325251 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/15/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/15/2026   06/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325170 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325222 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/02/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/2/2026   06/02/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325173 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325174 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325186 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 05/29/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325190 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/01/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/1/2026   06/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325202 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/10/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/10/2026   06/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325209 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/02/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/2/2026   06/02/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325215 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/11/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard Insurance effective date (XX/XX/XXXX) is after the XXX (XX/XX/XXXX). Please provide hazard policy verifying effective date is on or before XXX XX/XX/XXXX: Please see dec page for the prior policy period attached 6/15/2026 XXX: Received 06/15/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325217 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/11/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/11/2026   06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325223 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/11/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/11/2026   06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325226 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/11/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/11/2026   06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325225 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/11/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/11/2026   06/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325235 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/02/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/2/2026   06/02/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325237 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/12/2026   06/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325239 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325240 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325245 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325191 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325243 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/12/2026   06/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325244 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325246 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325247 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325254 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/14/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/14/2026   06/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325255 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/14/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/14/2026   06/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325272 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325268 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/17/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/17/2026   06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325230 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/03/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/3/2026   06/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325284 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/17/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/17/2026   06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325290 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325289 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325294 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325296 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325297 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325091 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325150 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/04/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/4/2026   06/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325152 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/19/2026   06/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325310 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/5/2026   06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325152 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/5/2026   06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325311 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/5/2026   06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325262 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/5/2026   06/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325277 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX Property Market Rent - Missing or Defective Missing XXX or executed lease agreement for subject property: XXX Please see the attached supporting documentation for subject rental income. 6/23/2026 XXX: Received 06/23/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325288 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/05/2026 Resolved XXX Property Market Rent - Missing or Defective Missing Market Rent XXX for Subject Property: XXX Please see the rental Statements attached 6/29/2026 XXX: Cleared 06/29/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325249 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/12/2026   06/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325250 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/12/2026   06/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325198 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/15/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/15/2026   06/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325266 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/17/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/17/2026   06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325261 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Cleared 06/17/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/17/2026   06/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10213847 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 02/23/2026 Resolved XXX Property Appraisal Missing or Defective Missing third-party appraisal review for subject property : XXX XX/XX/XXXX: Please see attach CDA 2/24/2026 XXX: Received 02/24/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10213847 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 02/23/2026 Resolved XXX Credit Title Insurance Coverage - Inadequate Coverage Title Coverage Insufficient, Title Coverage: XXX < XXX Loan Amount XX/XX/XXXX: Please see attach updated Title 2/24/2026 XXX: Received 02/24/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
9693818 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 09/22/2025 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   9/22/2025   09/22/2025   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220760 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 03/26/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   3/26/2026   03/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268925 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/7/2026   04/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/7/2026   04/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268944 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/7/2026   04/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268970 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/22/2026   04/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268971 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/12/2026   04/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268973 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/12/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/12/2026   04/12/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268979 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/19/2026   04/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268985 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/19/2026   04/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268991 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/19/2026   04/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268995 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/19/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/19/2026   04/19/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268999 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269000 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269011 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269028 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269029 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269030 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Cleared 04/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   4/30/2026   04/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A