Exhibit 99.23
| 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) |
| 2026060375 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060375 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060375 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060350 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to XXX of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXX" or "XXX" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XXX was mailed, and therefore not received by the consumer XXX business days prior to consummation date XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. | Document Uploaded. Please see the attached evidence the XXX was viewed by the borrower online on XXX. | XXX | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060350 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060350 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060119 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Lender requires proof of sale or redemption of assets used from stocks, bonds, mutual funds and retirement accounts. The final 1003 lists XXX for assets for closing and reserves. Please provide proof of liquidation for the funds used for down payment and closing. | Document Uploaded. Pls see the attached Wires for Closing funds which show the Funds came from the XXX ie XXX and this information should clear condition, thanks | XXX | Wire from XXX to XXX received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060119 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the appraisal fee from $XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. | XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX. |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060119 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The subject transaction is the purchase of a XXX. The Lender requires proof of PITIA for the primary residence. The file is missing proof of the HOA payment for the primary residence. Please provide proof of the HOA payment for the primary residence or a signed statement from the borrower stating that there is no HOA payment. | Document Uploaded. | XXX | Documentation received confirming primary residence does not have any XXX dues. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060119 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Lease Agreement | Missing lease agreement for property located at XXX | Document Uploaded. ; Document Uploaded. Property is XXX, see docs uploaded. | XXX | Documentation is sufficient. LOE, XXX provided. Exception resolved.; Unable to connect the XXX documentation to the property located on XXX. Please provide documentation to confirm the short term rental income reflected on the XXX statement is tied to the property. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing most recent XXX month housing history | Please confirm what address XXX month housing history is needed for? | XXX | Client questioned which property - After re-review. Credit report reflects sufficient housing history - Rescinded. | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of taxes, HOI and HOA dues for property located at XXX | Document Uploaded. | XXX | Taxes, Insurance, and HOA for XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Guidelines state a XXX term qualified at XXX AM full PITIA Payment. Please revise the 1008/CRSE using the correct QM payment. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | B | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a collections within XXX months. Guidelines require No Collections/Charge offs/Judgments in last XXX months | Document Uploaded. | XXX | Lender exception approval for: collection was paid XXX. Guideline: no collections within XXX months. Compensating Factors: DTI XXX% (Housing)// XXX% (Total), Housing payment decreasing by XXX, Payment Shock is only XXX%, Reserves of XXX Months, Residual Income of $XXX, and XXX - last XXX months. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Missing Loan Estimate within XXX days of XXX. Per XXX in file, XXX issued XXX, not located in file. | Document Uploaded. | XXX | Revised XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060314 | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The secured note serviced by XXX. references XXX properties as collateral. However, only subject and XXX are disclosed on the loan application and included in the DTI calculation. The XXX property listed on the note is not disclosed, and no documentation is provided to confirm whether the Borrower owns this property. Clarification is required to confirm the Borrowers ownership interest, if any, in XXX. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. This property is not owned by the borrower. It belongs to his XXX. See attached ZIP FILE with supporting docs and email from XXX who reviewed the documentation regarding this property. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026060314 | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan file is missing a full XXX-month housing payment history for the existing XXX with XXX. Bank statements with XXX for account ending in XXX only document XXX payments, consisting of XXX payments of $XXX made on XXX and XXX payment of $XXX on XXX. The payoff statement reflects multiple XXX payment charges on XXX, XXX, XXX and XXX. Please provide documentation verifying a complete XXX-month satisfactory payment history as required per XXX Credit Guidelines. | Housing History Meets Guideline Requirements; Document Uploaded. Rebuttal: See VOM from XXX. Document uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026060314 | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan file does not include the required verification of the most recent XXX months of rental payments received from non-subject rental income received. The most recent bank statement provided is for XXX, which is now over XXX days old and does not satisfy the requirement for recent XXX months of rental payments received. Updated documentation reflecting the most recent XXX months of rental payment deposits for XXX, XXX is required per XXX. | Verification of rentals documentation provided. | XXX | Income and Employment Meet Guidelines; Document Uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060314 | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan does not conform to program guidelines | The combined loan amount exceeds the program maximum of $XXX allowed per Closed-End XXX Eligibility Criteria. The subject loan of $XXX together with the existing first mortgage of $XXX results in a total combined loan amount of $XXX. The loan file includes a formal exception request citing compensating factors of low DTI below XXX%, reserves of XXX months using borrower’s own funds $XXX, and excellent residual income. However, the loan file does not include any evidence that the exception was approved. Additionally, the updated account statement referenced in the exception request reflects an available balance of only $XXX, not $XXX and the approved DTI is XXX%, which is above the XXX% referenced and it does not include the XXX or XXX mortgage payments for the non-subject property. | Lender exception provided with comp factors: LOW DTI, Reserves, Excellent residual income | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026060314 | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026060121 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX. Cure package require PCCD, LOE, Copy of Refund Check and Valid XXX. Title fees paid to the lender increased/added to the CD issued XXX without a valid reason. | Document Uploaded. ; Document Uploaded. Hi, I have attached the fees on the service provider list. We didn’t charge more than what was disclosed upfront. | XXX | Cure package p[provided to the borrower; exception downgraded to a XXX; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Per 1026.19(e)(3)(ii): 5. Calculating the aggregate amount of estimated charges. In calculating the aggregate amount of estimated charges for purposes of conducting the good faith analysis pursuant to § 1026.19(e)(3)(ii), the aggregate amount of estimated charges must reflect charges for services that are actually performed. For example, assume that the creditor included a $XXX estimated fee for a pest inspection in the disclosures provided pursuant to § 1026.19(e)(1)(i), and the fee is included in the category of charges subject to § 1026.19(e)(3)(ii), but a pest inspection was not obtained in connection with the transaction, then for purposes of the good faith analysis required under § 1026.19(e)(3)(ii), the sum of all charges subject to § 1026.19(e)(3)(ii) paid by or imposed on the consumer is compared to the sum of all such charges disclosed pursuant to § 1026.19(e), minus the $XXX estimated pest inspection fee. In this case the Title - Closing fee and Title - Endorsement fees were not included in the calculation due to them not being charged on the CD | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060121 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation required: There's no evidence of the XXX issued XXX in the loan file. | Document Uploaded. | XXX | XXX dated XXX provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060121 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060121 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060314 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060314 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060314 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan does not conform to program guidelines | The combined loan amount exceeds the program maximum of $XXX allowed per XXX Eligibility Criteria. The subject loan of $XXX together with the existing first mortgage of $XXX results in a total combined loan amount of $XXX. Lender exception provided with comp factors: LOW DTI, Reserves, and Excellent Residual Income. | Lender exception provided with comp factors: LOW DTI, Reserves, and Excellent Residual Income. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060200 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060200 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060200 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060132 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired on XXX. Please provide a signed Purchase Contract Extension to XXX for review. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060132 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060132 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060117 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Credit Report Fee on the CD dated XXX without valid XXX. | Document Uploaded. | XXX | cure package provided, exception downgraded to a 2/B”; cure package provided, exception downgraded to a 2/B” | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060117 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060117 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX | This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until XXX of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | XXX | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||
| 2026060117 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060117 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060198 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026060198 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect rescission model used - XXX form model XXX used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - XXX (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form XXX (Same Lender) form was used and should have been XXX (New Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Document Uploaded. | XXX | Cure package provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026060198 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements. The applicable Guidelines allow a maximum cash-out of $XXX when the LTV is greater than XXX% with a minimum FICO of XXX. The Lender approved the Borrower’s cash-out of $XXX with an LTV of XXX% on XXX based on the following compensating factors: | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||
| 2026060198 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026060133 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the settlement date is to be XXX days after the Seller’s acceptance of the offer. The Seller accepted the offer on XXX, therefore, the closing date was to be by XXX. The loan file contained a Buyer Counter Offer extending the closing date to XXX days after the Seller’s acceptance of the offer, which was XXX. However, the subject loan did not close until XXX. Please provide a fully-executed extension reflecting a closing date no earlier than XXX. | Loan Closed XXX and per Counteroffer the Bwr had XXX days to close which would have been closing no later than XXX | XXX | Based on the calculation from the date the seller signed - the extension is XXX and loan closed within the timeframe. ; Based on the calculation from the date the seller signed - the extension is XXX and loan closed within the timeframe. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060133 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Final CD reflects a $XXX gift was provided for funds to close. When the funds are not transferred prior to closing, the applicable Guidelines require the originator to document that the XXX gave the Closing Agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. The loan file missing verification that the Closing Agent received the gift funds. Please provide verification that the Closing Agent received the gift funds. | Document Uploaded. | XXX | Gift wires to XXX received and XXX information documented in the loan file. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060133 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060133 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060126 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Missing Last Name | Per the borrower's Drivers License in file his full last name is missing from Note and Mortgage. Please provide corrected signed documents that include the borrower's full last name with proof of recording, where applicable for review. | Pls refer to the Signature Name Affidavit | XXX | Okay to use Signature / Name Affidavit in file on page XXX per Lender and Management. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060126 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The Purchase contract expired XXX. Per Lender Approval the contract expires XXX. Please provide a signed copy of the Purchase Contract Extension to XXX or at least up to XXX, which is the closing date. | Document Uploaded. | XXX | Lender exception for not obtaining contract extension approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060126 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060126 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060122 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Lender requires that Gift Funds be verified that the donor gave the funds to the closing agent. The file is missing proof of the gift fund transfer. Please provide proof the XXX gave the gift funds to the closing agent in the form of a certified check, cashier's check, money order or wire transfer. | Document Uploaded. ; Document Uploaded. | XXX | Updated gift letter received and initialed by XXX confirming funds came directly from XXX and matches wire to XXX. Condition cleared.; Wire provided for $XXX reflects it came from On The XXX vs. XXX (XXX reflected on the gift letter). Please provide confirmation the gift came from the donor reflected on the letter in file. Thank you. | XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2026060122 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The Lender allows up to XXX acres. The file does not contain an exception to for the excessive acreage. The subject property is ineligible. | Document Uploaded. | XXX | Lender exception for XXX acre XXX approved by investor on XXX. | XXX | C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2026060122 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | C | B | A | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing. Property listed on 1003 as a New XXX Loan (#XXX) located on XXX does not have the CD from closing as required by the Loan Approval or a Mortgage statement disclosing the P&I payment and taxes. Insurance document is located in file and disclosing the subject as the new primary residence. Confirm payments and occupancy. |
Document Uploaded. ; Document Uploaded. | XXX | Final CD for Borrower's new primary residence located at XXX received and confirms PITIA. Condition cleared.; Settlement Statement does not reflect a P & I payment. Please provide documentation of the P & I payment. Exception remains. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The required XXX statement is blank in file. Provide complete, signed document to meet guideline requirements. | Document Uploaded. | XXX | Documentation is sufficient. XXX provided. Exception resolved.; Income and Employment Meet Guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Overdraft and NSF activity was not reviewed for acceptability. Neither the 1008 nor CRSE state that they reviewed the XXX disclosed on the bank statements in file. | Document Uploaded. | XXX | Documentation is sufficient. Updated 1008 with UW comments provided. Exception resolved.; Overdraft/NSF count within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 and CRSE are not utilizing the correct P&I payment on subject property. In addition, the borrower's primary residence at XXX Terrace appears to be calculated twice in the DTI calculation. | Document Uploaded. | XXX | Documentation is sufficient. Updated 1008 and approval provided. Exception resolved.; Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060201 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX higher-priced mortgage loan test. (XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060125 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing. Guidelines require borrower to supply XXX months of bank statements to qualify. File has XXX months and is qualified using XXX months averaged over XXX months which is acceptable, however a full XXX months of statements is required. Please provide the bank statement ending XXX. | Document Uploaded. | XXX | Income XXX Months Income Verified is Present Or Not Applicable.; XXX statement received, however, not used to qualify. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060125 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 is using an incorrect P&I figure. Guidelines state a XXX YR XXX qualified at the Note Rate. Please send a revised 1008 for review. | Document Uploaded. | XXX | Corrected 1008 received. Condition cleared.; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060125 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060128 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not contain verification of the total payment for the Borrower's XXX. The Final Loan Application shows there was a new loan made by the subject Lender; however, the file does not contain verification of the P&I payment. Please provide verification of the total P&I & Association payment for the Borrower's XXX for review and Final CD to verify the which lien was paid at the time disbursement. | Document Uploaded. | XXX | New PITIA / Final CD for XXX located on XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060128 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060128 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060204 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation required to clear exception: The revised XXX dated XXX per the disclosure tracking summary is missing from the loan file. | Document Uploaded. | XXX | Revised XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060204 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved ; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060204 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060204 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Per Lender Guidelines, wage income for a Co-Borrower may be used on the bank statement program as long as it is not associated with Borrower's business. B2 works for B1, income not allowed. | XXX% DTI; XXX months reserves; $XXX residual income. | XXX | Lender exception allowing the use of income for B2 who works for B1 approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender did not include taxes, insurance or HOA with the primary residence. This increase in liability creates a DTI Guideline issue. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Approved exception received to use B2 wage income to cure DTI. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Approved exception added under employment. DTI Condition cleared.; Wage income and documentation for B2 provided to cure DTI. Per Section XXX XXX-General Requirements-Wage earner income from a Co-Borrower may only be used if not associated with the Borrower's business. Based on the documentation provided, B2 works for B1's business that was used to qualify, therefore, the wage income for B2 just provided cannot be used. DTI exception remains.; Updated income worksheet, 1003, 1008, and XXX received reflecting increased income calculation. It appears the XXX Totalsource Payroll direct deposits in the months of XXX- XXX for B2 were added back increasing the income. No explanation provided as to the reason for adding back the direct payroll deposits for those months. Per Lender guidelines, payroll deposits from other employment may not be included in the bank statement average. DTI remains at XXX%. No changes made.; DTI of XXX% exceeds max of XXX% allowed per guidelines. Primary residence PITIA is XXX/mo vs XXX/mo on the 1008. XXX received reflects a DTI of XXX% and no indication of an approved exception for the excessive DTI of XXX% present. Condition remains.; Only 1008 uploaded. Excessive DTI of XXX% exceeds max of XXX%. Condition remains. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later for review. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided confirming self employment used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements. Guidelines do not allow a charge off in the previous XXX months. CRSE in the file cites this exception and approval is granted. | XXX in the file XXX this exception and approval is granted supported by the following compensating factors: DTI XXX% housing, Reserves are XXX months, residual income of XXX, charge-off already paid, no other derogatory credit in XXX years. Exception downgraded to a level 2/B. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060199 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060140 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). HOI in file is not sufficient coverage, missing proof of XXX% replacement cost | Document Uploaded. | XXX | Email from insurance agent provided confirming dwelling coverage is XXX% replacement cost coverage. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060140 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060140 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure. Documentation required- Provide final CD dated XXX as verified by disclosure tracking details. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The maximum Payment Shock allowed per XXX is XXX%. The Payment Shock is XXX%. The Payment Shock exceeds the maximum allowed of XXX%. | Document Uploaded. Added the add'l exception for payment shock - see CRSE.; Document Uploaded. | XXX | Lender exception for payment shock of XXX% vs. max of XXX% approved by investor on XXX.; This loan is slated for XXX vs. the XXX provided in the LOE. Per the XXX XXX matrix, the max payment shock allowed is XXX%. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX a maximum LTV XXX% is allowed. The borrower's credit score of XXX allows up to XXX% LTV, however the appraisal reflects the property is in a declining market with XXX months marketing time and an additional XXX% LTV reduction is required. Per XXX the maximum LTV is XXX%. | CRSE uploaded with other condition. | XXX | Lender exception for LTV/CLTV to XXX% approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per Matrix a maximum HCLTV XXX% is allowed. The borrower's credit score of XXX allows up to XXX% HCLTV, however the appraisal reflects the property is in a declining market with XXX months marketing time and an additional XXX% HCLTV reduction is required. Per XXX the maximum HCLTV is XXX%. | CRSE uploaded with other condition. | XXX | Lender exception for LTV/CLTV to XXX% approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per XXX a maximum CLTV XXX% is allowed. The borrower's credit score of XXX allows up to XXX% CLTV, however the appraisal reflects the property is in a declining market with XXX months marketing time and an additional XXX% CLTV reduction is required. Per XXX the maximum CLTV is XXX%. | Document Uploaded. | XXX | Lender exception for LTV/CLTV to XXX% approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements. Borrower has a collections opened XXX. Guidelines do not allow for a collection within the previous XXX months. | Document Uploaded. | XXX | Risk accepted and waived. B grade risk accepted by authorizing party with the following compensating factors: Qualifying credit score XXX, orrower has been with employer XXX years. XXX months reserves. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060135 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The subject loan program is XXX-months bank statement transaction. The Lender's Income Worksheet calculates XXX-nth bank statements from XXX thru XXX. The file is missing the XXX thru XXX bank statements. Please provide the XXX thru XXX bank statements for review. | Document Uploaded. | XXX | XXX bank statements received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060135 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060135 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing the final executed CD from the sale of the XXX property and a copy of the wire transfer of the funds to the closing agent for the subject loan. Please provide the final C.D. and a copy of the wire to the closing agent. | Document Uploaded. same XXX handled the closing for their sale so we transferred their proceeds directly to this purchase file via ledger transfer. | XXX | Final Settlement Statement received confirming net proceeds for the sale of the departure residence. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Please provide a copy of the Final signed 1003 for subject property. The 1003 in the file is for another property. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | XXX Disclosure is Missing. Documentation required to clear exception: Please provide the XXX for the property address. | Document Uploaded. | XXX | XXX Disclosure is Resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or revised XXX issued XXX and XXX. The lender credit decreased on the CD issued XXX without a valid reason. | Document Uploaded. | XXX | XXX and valid XXX provided; exception resolved; XXX and valid XXX provided; exception resolved; This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Total of Payments Test | This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Corrected prepaid interest Corrected prepaid interest | XXX | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | There's no evidence of the XXX issued XXX and XXX in the loan file. | Document Uploaded. | XXX | XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060130 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure. There's no evidence of the Final CD in the loan file. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060150 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). XXX is not Guaranteed Replacement Coverage. | Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060150 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060150 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060147 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060147 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060147 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal fee on XXX XXX. The XXX provided states "appraisal fees updated" which doesn't provide a specific or valid reason. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a VOE within XXX days of the note date. Please provide a VOE dated XXX or later for review. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Ineligible Property | Per Appraisal the property is on XXX acres. Per Guideline, a maximum of XXX (XXX) acres is allowed, however parcels not exceeding XXX (XXX) acres may be considered if it is typical for the area and value/marketability is supported with appraisal comparable of similar acreage. Please provide verification that the appraisal has been reviewed and deemed acceptable. Based on the guideline's property is ineligible. | Hi per the 1008 you have the UW addressed/reviewed and deemed acceptable, pls advise | XXX | Lender commented on 1008 (XXX) regarding review of comparables for acceptability of XXX acre parcel and Desk Review to support (ok'd by management). Notations confirm Lender reviewed and approved the XXX acre parcel. Condition rescinded. | XXX | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026060141 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060141 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060141 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The documents in the file do not support the borrowers income. Additionally guidelines do not allow for an expense ratio lower than XXX%. | Document Uploaded. | XXX | Income worksheet used at time of qualification received and confirms income used to qualify. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a 3rd Party VOE dated within XXX days of closing. Please provide a 3rd Party VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060144 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060144 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060144 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Final CD reflects Proceeds from XXX. Please provide a copy of the CD from the closing with the new loan that was originated by the Lender to fund the subject transaction. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract is expired. Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX. The Loan amount is $XXX. The maximum loan amount per Lender is $XXX. The CRSE in file contains an Exception Type: Other-Program, Guideline-max loan amount $XXX, Loan Amount $XXX, Rationale: Approved by XXX. Lender approved exception on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2026060151 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060151 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060151 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX higher-priced mortgage loan test. (XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a XXX. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060151 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a XXX. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | XXX Disclosure is Missing. Documentation required to clear exception: Please provide the XXX Disclosure. | Document Uploaded. Uploaded XXX Discl Statement. | XXX | Initial XXX Account Disclosure is Resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing. Missing Deed of Trust | Document Uploaded. | XXX | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX is Missing | XXX is Missing. | Document Uploaded. | XXX | Documentation is sufficient. XXX provided. Exception resolved.; The XXX is Present or is Not Applicable (Property Type is XXX). | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. The tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the recording cost. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. |
Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060136 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Purchase contract is expired. Missing addendum to sales contract extending the closing date to XXX. Please provide a signed XXX extending the closing date XXX. | Document Uploaded. | XXX | Documentation is sufficient. Addendum provided. Exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060136 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060136 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Excessive Seller Contributions | Per Lender Guidelines the maximum contributions are XXX% or the Closing Costs. In total the borrower received $XXX in Third Party Contributions and the closing costs per Final C.D. are $XXX. The Third Party Contribution exceed the closing costs. | Document Uploaded. ; the borrower is the realtor and he is using his own commission, that is fine to not calculate in the closing costs. ; Document Uploaded. | XXX | Per Management, realtor credit of XXX is the Borrower's own commission and therefore not included in the XXX. Condition cleared.; The final CD reflects a XXX Seller Credit and a XXX Realtor Credit totaling XXX in XXX which exceeds total closing of XXX. Condition remains.; Audit reviewed the Lender's response. The only way to clear this condition is to adjust the price on the XXX. Condition retained. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender is using a lower PITIA on vacated property located on XXX. The final DTI is XXX% which exceeds the XXX% maximum. The subject transaction does not meet the DTI requirement of XXX%. | Document Uploaded. ; Document Uploaded. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Lender exception to utilize income for B2 based on calculation worksheet vs. initial and final 1003. Updating B2 income resulted in an audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared.; Audit calculations are as follows: Primary: XXX, Other Liabilities; $XXX, Other Net Rental Loss REO Total: $XXX (XXX), Total Liabilities XXX. Borrower Income: XXX. DTI: XXX%. Condition retained. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Lender updated B2 income to what was calculated on the worksheet vs. the initial/final 1003 to cure DTI. | Lender exception to use income on actual worksheet to cure DTI exception vs. lower income from initial/final 1003 approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or initial XXX issued XXX. The baseline did not reset due to XXX issued XXX being more than XXX business days from application dated XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or initial XXX issued XXX. The baseline did not reset due to XXX issued XXX being more than XXX business days from application dated XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or initial XXX issued XXX. The baseline did not reset due to XXX issued XXX being more than XXX business days from application dated XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required: There's no evidence of the XXX issued XXX in the loan file. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060148 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060309 | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Please provide the insurer’s Replacement Cost Estimate (XXX) or written confirmation that the dwelling coverage reflects the full Replacement Cost Value of the property. The coverage of $XXX, with XXX% Extended Replacement Cost of $XXX and XXX% Ordinance or Law of $XXX does not meet the minimum coverage requirement based on the subject loan amount of $XXX. | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060309 | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | The preliminary title report does not reflect the proposed Lender coverage amount, and the file does not include a supplement report confirming the insured amount. Please provide a supplemental title report with sufficient coverage. | Supplemental title provided; finding resolved.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060309 | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060309 | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060127 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing proof XXX on XXX is free and clear | Document Uploaded. Hi, can you review the Fraud Report and there is no loan listed; Document Uploaded. | XXX | Documentation is sufficient. REO documentation provided. Exception resolved.; Thank you for providing the PITIA for XXX. Please provide documentation to confirm XXX is owned free and clear. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060127 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Missing VVOE dated within XXX days of note date | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060127 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060127 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060309 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Evidence of appraisal delivery provided.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060309 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060309 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure. Documentation required to clear exception: Final Closing disclosure is missing from the file. Please provide the Final CD for compliance testing |
Document Uploaded. Uploaded CD. | XXX | XXX: Final Closing Disclosure Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Total of Payments Test | This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Exception fired in error - rescinded Exception fired in error - rescinded | XXX | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | Document Uploaded. Uploaded Right to Cancel. | XXX | Right of Rescission is Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | XXX Disclosure is Missing. Documentation required to clear exception: Provide XXX Disclosure for all borrowers and non-borrowers. | Document Uploaded. Uploaded XXX statement. | XXX | XXX Disclosure is Resolved.; Initial XXX Account Disclosure is Missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX. | Document Uploaded. Uploaded disclosure. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Final 1003 is missing in file. Requesting for Final 1003 for B1 and B2 with signed and dated. | Document Uploaded. Uploaded final 1003. | XXX | Final signed 1003 for B1 and B2 received and matches what was used to qualify and documented in the loan file. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX Approval Missing | XXX Approval Missing. XXX approval is Missing. | XXX Approval is not a requirement - unless the XXX is missing. File has the XXX - cleared. ; XXX Approval is provided. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060155 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060155 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060155 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060203 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing. Missing CPA letter supporting expense ratios used per P&L Program Calculators. For XXX= XXX% and for XXX = XXX%. | Document Uploaded. Uploaded updated bk stmt worksheet using XXX% expense ratio, 1008, 1003, and CRSE with updated income/DTI.; We did not use a XXX% expense ratio for XXX. We used a XXX% expense ratio based on the P&L stmt. The expenses deducted are XXX% of the income. And for XXX we used a XXX% expense ratio. The P&L shows $XXX expenses which is only XXX% of income. The UW overrode that expense ratio and instead used the minimum XXX%. And we don't need a CPA to state the expense ratio. The CPA prepared the P&L so he is stating what it is because he is certifying what the expenses are and we can calculate the ratio. | XXX | Borrower 1 CPA Letter Provided.; Based on CPA prepared P&L's, expense factor of XXX% (XXX% min required to qualify per guidelines) for XXX and XXX% for XXX verified. Updated income worksheet, 1003, 1008, and XXX received using minimum XXX% expense factor for XXX received. Condition cleared.; Although XXX confirmed an expense ratio of XXX% for XXX, section XXX of Lender guidelines reflects a floor expense of XXX% (Borrower's business/XXX does not qualify for less than that due to business does not operate out of the home) yet Lender used a XXX% expense factor to qualify. Please provide revised income calculation utilizing XXX% expense factor for XXX and updated 1003, 1008, and CRSE with revised DTI. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060203 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation required: There's no evidence of the XXX issued XXX in the loan file that was electronically sent to the borrower. | Document Uploaded. Uploaded XXX. | XXX | Revised XXX provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060203 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD issued XXX is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. Uploaded signed initial CD. | XXX | Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060203 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060159 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060159 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060159 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | The initial Loan Estimate issued XXX is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Document Uploaded. | XXX | Valid XXX provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060213 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD issued XXX is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060213 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Transfer Taxes on the CD issued XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060213 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Mortgage Recording on the CD issued XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060213 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing. A XXX is in the file however it is not complete. Please provide a completed XXX for review. | Document Uploaded. | XXX | Completed XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060213 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX. (XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX.The loan is a XXX , as defined in the legislation. For more information please see the XXX section of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy XXX even if the additional conditions are met. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060157 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060157 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060157 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060143 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. The applicable Guidelines require a minimum FICO of XXX for a cash-out refinance of a primary residence with an LTV of XXX%. The Lender exception was approved XXX for the Borrower’s qualifying FICO of XXX, based on the following compensating factors: | Audited FICO of XXX is less than Guideline FICO of XXX. The applicable Guidelines require a minimum FICO of XXX for a cash-out refinance of a primary residence with an LTV of XXX%. The Lender exception was approved XXX for the Borrower’s qualifying FICO of XXX, based on the following compensating factors: 1. DTI 2. Employment Stability 3. Other – XXX years self-employed |
XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060143 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval (CRSE) and the Uniform Underwriting and Transmittal Summary (1008) do not reflect the correct subject Note interest rate. The CRSE and the 1008 reflect an interest rate of XXX%, however, the signed subject Note reflects an actual interest rate of XXX%. Please provide a corrected CRSE & 1008 that reflect the correct Note rate and P&I payment for review. | Document Uploaded. | XXX | Updated 1008 and XXX received reflecting accurate interest rate and DTI. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060143 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060143 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount |
Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount |
Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount |
Maximum LTV = XXX% minimum credit score XXX - XXX exception made to XXX% LTV @ XXX loan amount | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing proof of HOA payment or a signed letter from the borrower stating there are no HOA payments for for the XXX, XXX and XXX. Missing proof of insurance for the XXX. The Lender requires that all XXX are documented to verify the PITIA. Please provide proof of insurance for the XXX and HOA for XXX and XXX, for review. | Document Uploaded. Hi, when a Home is owned XXX we don't require proof of Insurance and this Bwr advised there is no HOI on XXX ; Document Uploaded. Pls understand that this is vacate Land therefore there is NO HOA and XXX is owned XXX therefore no Insurance is req'd; Document Uploaded. | XXX | Verification of taxes, insurance and HOA Fees provided.; Verification of taxes, insurance and HOA Fees on all XXX provided. Condition cleared.; Documentation for XXX received. Missing LOE from Borrower confirming no XXX coverage on XXX (although insurance is not required on a property without a XXX, it is quite common for homeowners to insure their property even if it is owned free and clear. Borrower provided an LOE confirming no insurance on other XXX, however, that same LOE for XXX was not provided and is needed to clear the condition).; Please provide HOA dues for XXX (only XXX and XXX uploaded) and XXX for XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposit into personal account. Please source the following deposits that are greater than XXX% of qualifying income. $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX,$XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX, $XXX on XXX. |
Document Uploaded. | XXX | Source of XXX large XXX deposits of $XXX and XXX received. Per XXX, okay not to source other deposits. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060171 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060142 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Loan with established XXX and appraisal requirements have been met. XXX Downgraded | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060142 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060142 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal fee. The XXX dated XXX (XXX) does not reference the reason for Appraisal fee increase. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the closing date is to be on or before XXX. The loan file contained an extension of the closing date to XXX; However, the actual closing date was XXX. The loan file did not contain an Addendum further extending the closing date. Please provide a fully-executed extension reflecting a closing date of XXX or later. | Hi, I provided a CRSE already listing the exception for not having an extension. I just uploaded the email from the agent just so you could see I did try to get it and they did not sign one. Please waive with CRSE/exception. Thank you!; Document Uploaded. Uploaded email from XXX agent and CRSE. | XXX | Lender provided an exception approval to the purchase contract closing date extension ; Purchase contract page XXX #XXX CLOSING DATE.....shall be XXX... , the Closing Date may be extended without amendment by not more than XXX days....If the Closing Date, or any extension of the Closing Date, falls on a XXX, XXX or XXX or XXX, it shall automatically be extended to the XXX immediately following. XXX five days out to XXX. XXX is on a XXX and the only XXX in XXX is XXX. Same with XXX, XXX. So, XXX was not XXX of the days for automatic extension. Please provide contact closing date extension | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Uniform Underwriting and Transmittal Summary (1008) and the Final Loan Application reflects $XXX per month for "Other" was included in the qualifying proposed subject housing payment. However, the loan file does not contain documentation verifying what the expense was. Please provide documentation verifying the $XXX per month for "Other" that was included in the qualifying proposed subject housing payment. | Document Uploaded. Please see email with UW. The $XXX was something the broker included on the initial 1003 and UW confirmed it was included in error. It has been removed - see uploaded 1008, 1003, and CRSE. | XXX | Lender provided documentation to confirm "other" amount of $XXX/mo on the subject was an error. Updated 1003, 1008, and CRSE received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060176 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060176 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060176 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Guidelines require XXX months of reserves; not XXX. ; Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. | XXX | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Guidelines require XXX months of reserves; not XXX. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing source of gift funds listed on CD. Need wire confirmations from donors to source gift funds | Document Uploaded. | XXX | Funds are found to meet guidelines.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Loan short cash to close and reserves -XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Missing source of gift funds listed on CD. Need wire confirmations from XXX to source gift funds | Verified Liquid Assets are sufficient for closing.; Verified Liquid Assets are insufficient for closing in the amount of XXX. Loan short cash to close -XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Missing updated addendum extending close of XXX. Current addendum shows closing date of XXX, not date is XXX | Document Uploaded. | XXX | Documentation is sufficient. Extension addendum provided. Exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | XXX is Missing | XXX Missing. | Document Uploaded. We have the XXX approval from XXX therefore we would not need the questionnaire completed | XXX | Documentation is sufficient. XXX approval provided. Exception resolved.; XXX\ Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | XXX Disclosure is Missing. Documentation required to clear exception: Please provide the XXX. | Document Uploaded. Closing package attached--see page XXX | XXX | Initial XXX Disclosure is Resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income documentation does not meet guidelines | Missing fully executed bank statement questionnaire. Questionnaire in file is only signed, missing all other required information. Please provide a XXX | Document Uploaded. | XXX | fully executed and completed XXX provide | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. The Lender requires a fully executed final 1003 to be in the loan file. File only contains initial 1003. | Document Uploaded. closing package page XXX | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | D | A | B | A | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060165 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060165 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060165 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Guideline require a minimum contribution of XXX% from the borrower. The purchase price is $XXX. XXX% of the purchase price is $XXX. The borrower paid $XXX for earnest money and had to bring $XXX to closing. In closing the borrower has invested $XXX which does not meet the borrower's minimum deposit requirement. Please provide proof that the borrower met the XXX% minimum down payment requirement. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. wire from gift funds. | XXX | An updated XXX was provided. Guideline requirement borrower's to contribute XXX% of their own funds. Buyers contribution was less than XXX%. Exception granted to allow buyer contribution less than XXX% (XXX%). This is an XXX% LTV purchase of a XXX. Borrower had XXX% own funds, but did not have to bring XXX% own funds due to a gift from their XXX. Compensating factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing)//XXX% (Total); Borr with employer for XXX years; Reserves of XXX months; Residual Income of $XXX. Confirmed - acknowledged. ; Gift wire documentation received, however, the Borrower's minimum XXX% into the transaction is still not supported. XXX% = XXX, Borrower only put XXX of their own funds into the transaction which is XXX%, the remaining funds to close came from the gift. Borrower's minimum contribution of XXX% is not met. Condition remains.; Only gift wire provided. The Guidelines require a minimum contribution of XXX% from the borrower. The purchase price is XXX. XXX% of the purchase price is XXX. The borrower paid XXX for earnest money and had to bring XXX to closing. The Borrower has only invested XXX into the transaction which is less than the minimum XXX% (XXX) required. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060183 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX Inspection Report not Provided | The subject property is a XXX; however, the inspection report was not provided. | After an extensive review; property is not located in a XXX. Rescinded. ; Property is not located in a XXX. | XXX | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026060183 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060183 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX higher-priced mortgage loan test. (XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Loan with established XXX and appraisal requirements have been met. XXX Downgraded | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery. The exception is tied to the missing Initial XXX issued within XXX business of the application date of XXX as the earliest available XXX is dated XXX. Please provide the Initial XXX issued within XXX business days of the application date of XXX. Additional testing will be completed once the Initial XXX is provided. | Document Uploaded. Uploaded initial XXX. | XXX | Initial XXX provided - exception resolved; Initial XXX provided - exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery. The exception is tied to the missing Initial XXX issued within XXX business of the application date of XXX as the earliest available XXX is dated XXX. Please provide the Initial XXX issued within XXX business days of the application date of XXX. Additional testing will be completed once the Initial XXX is provided. | Uploaded initial XXX to other finding. | XXX | Initial XXX provided - exception resolved; Initial XXX provided - exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required to clear exception- The Initial Loan Estimate dated XXX (per disclosure tracking details) is missing from the loan file. The earliest XXX in the loan file was issued XXX. The violation can be cured by providing the Initial XXX within XXX days of application date of XXX. | Uploaded initial XXX to other finding. | XXX | Initial XXX provided - exception resolved; Initial XXX provided - exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Loan with established XXX and appraisal requirements have been met. XXX Downgraded | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060208 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060161 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The Lender requires a 3rd Party XXX dated within XXX calendar days of the closing. The file missing the required 3rd Party XXX. Please provide a completed 3rd Party XXX dated within XXX calendar days of the closing date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060161 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. The Lender requires proof of the PITIA payment for all properties. The file is missing the note/account statement XXX and proof of HOA payment for property XXX on the Final application. The file is missing proof of the HOA payments for properties XXX, XXX and XXX on the Final 1003. If the properties do not have an HOA payment, a signed statement from the borrower is required that states that there are no HOA payments. | Document Uploaded. Sorry I missed that one! Uploaded property report showing No HOA.; Document Uploaded. Uploaded the missing mtg stmt for XXX and proof of HOA dues missing. XXX does have HOA dues so I have added those into the DTI (1008, 1003, CRSE included). | XXX | Verification of taxes, insurance and HOA Fees provided.; Verification of HOA dues for XXX received. Condition cleared.; HOA verification for properties located at XXX, and XXX received along with XXX mortgage statement for XXX. Please provide verification no HOA dues present on XXX. Thank you | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060161 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060161 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060217 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Disclosure Not Provided Within XXX Days of Application Date | XXX Disclosure dated, (XXX) was not provided within XXX Days of Application Date, (XXX). Documentation required to clear exception- Documentation required to confirm the disclosure was sent within XXX days of application date. The XXX disclosure provided to the borrower signed on XXX was not provided within the XXX days of application date of XXX. Disclosure is not dated. | Document Uploaded. | XXX | XXX Disclosure Provided Within XXX Days of Application Date or Not Applicable. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060217 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Booklet Not Provided Within XXX Days of Application Date | XXX Not Provided Within XXX Days of Application Date. Documentation required to clear exception- Documentation required to confirm the XXX was sent within XXX days of application date of XXX. | Document Uploaded. | XXX | XXX Provided Within XXX Days of Application Date or Not Applicable (XXX is Primary Residence and Note Type is XXX). | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060217 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060217 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines. Per Lender Guideline-Projects with pending or threatened litigation are typically ineligible. Litigation may be acceptable if it is determined to be minor and immaterial. There are XXX current lawsuits current filed one datedXXX and one dated XXX. Please provide verification that the the property is is deemed an acceptable risk based on the pending litigation documents. | Document Uploaded. | XXX | HOA Meets Guidelines.; Lender provided clarification that the litigation was reviewed and not deemed to be due to a XXX and safety risk, as a result, the HOA is acceptable. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Per the final CD the borrower was required to bring $XXX to closing. The CD shows the loan closed on XXX and disbursed on XXX. The funds for closing were obtained from the sale of the borrower's primary residence at the time of closing. The Seller's Closing Statement - Final reflects that the loan closed on XXX and disbursed on XXX. The borrower would not have had these funds on data of disbursement for the subject transaction XXX. Please provide a copy of the funds transfer to the closing agent for the subject transaction that supports the funds were available on XXX to complete the purchase transaction, for review. | Document Uploaded. The upld shows the transfer of funds of $XXX. | XXX | Asset Qualification Meets Guideline Requirements.; Final Settlement Statement for sale of departure provided and reflects $XXX wired to the XXX XXX XXX for subject transaction on XXX and also matches XXX/File #. Wire on page XXX. Documentation provided confirms net proceeds were delivered to closing. XXX is a XXX state and it is not uncommon for Borrowers to sign docs prior to funds being received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. 1. Lender to provide HOA dues statement (if applicable if no HOA provide signed and dated letter from borrower to confirm), for all of the following properties: XXX and XXX. 2. B1 made partial payment of $XXX on XXX to the XXX. Lender to provide proof that the remaining XXX payment/debt has now been completely satisfied. See page XXX, and XXX. |
Document Uploaded. ; Document Uploaded. | XXX | Verification of taxes, insurance and HOA Fees provided. No HOA for XXX; 1) Received HOA for XXX 2) Missing HOA for XXX , Per Farud Guard in the file Borrower owner same as with XXX Owner Name: XXX XXX: XXX ( page XXX) Please provide HOA or documentation or letter there is no HOA. 3) XXX Withdrawal from VA DEPT TAXATION TAX PAYMEN Debit- XXX remaining XXX payment/debt has now been completely satisfied. See page XXX, and XXX. |
XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Lender to complete PRE-CLOSING VERIFICATION OF EMPLOYMENT (See page XXX) | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060206 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060206 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060206 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060158 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060158 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060158 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060179 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | XXX is Missing | The loan file contained an exception for XXX requirement per the credit risk summary and exception approval. The loan file did not have a XXX. The compensating factor is the borrower is putting down $XXX million and over XXX% down payment. Only XXX days short of XXX months. | The loan file contained an exception for XXX requirement per the credit risk summary and exception approval. The loan file did not have a XXX. The compensating factor is the borrower is putting down XXX and over XXX% down payment. Only XXX days short of XXX months. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | B | C | B | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026060179 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements. The loan file contained an exception for Credit Judgments/ Collections/Tax Liens per the Credit Risk Summary and Exception Approval document in the loan file. The exception is for no collections in last XXX months. The borrower had a collection on XXX for $XXX with XXX. The compensating factor is proof of the collection payoff prior to the closing of the subject loan transaction. The loan file contained a copy of the payoff of this collection for $XXX, which verified this was paid off prior to close. | Delinquent Credit History Does Not Meet Guideline Requirements. The loan file contained an exception for Credit Judgments/ Collections/Tax Liens per the Credit Risk Summary and Exception Approval document in the loan file. The exception is for no collections in last XXX months. The borrower had a collection on XXX for $XXX with XXX. The compensating factor is proof of the collection payoff prior to the closing of the subject loan transaction. The loan file contained a copy of the payoff of this collection for $XXX, which verified this was paid off prior to close. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | C | B | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026060179 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. The loan file contained an exception for the FICO score. The exception is for minimum FICO of XXX; however, the borrower's qualifying FICO is XXX per their credit report. The compensating factor is XXX% LTV. The subject loan LTV is XXX% per the 1008 and Lender's loan approval. | Audited FICO of XXX is less than Guideline FICO of XXX. The loan file contained an exception for the FICO score. The exception is for minimum FICO of XXX; however, the borrower's qualifying FICO is XXX per their credit report. The compensating factor is XXX% LTV. The subject loan LTV is XXX% per the 1008 and Lender's loan approval. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | C | B | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026060179 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | C | B | D | B | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026060177 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | The applicable Guidelines require transferred Appraisals to have been completed by an XXX (XXX). The Lender approved both Appraisals in file, neither of which were completed by an XXX, based on the following compensating factors: | The applicable Guidelines require transferred Appraisals to have been completed by an XXX. The Lender approved both Appraisals in file, neither of which were completed by an XXX, based on the following compensating factors: 1. Credit Score 2. Housing Payment 3. Residual Income 4. Credit History 5. LTV 6. Other – Strong CU Scores = XXX |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026060177 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026060177 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No evidence of required debt payoff | The Uniform Underwriting and Transmittal Summary (1008) indicates no monthly consumer debt was used to qualify the Borrower. However, the Final Loan Application reflects a consumer account with a balance of $XXX and a monthly payment of $XXX, which was consistent with the Origination Credit Report. The Loan Approval in the loan file conditioned for proof the account was paid in full. However, the loan file did not contain verification that the account had been paid. Please provide the documentation stipulated by the Loan Approval to support the exclusion of the debt. If the debt is not excluded, the qualifying DTI would be greater than XXX%, which is the Guideline maximum. | Document Uploaded. Please review comments on 1008 for explanation | XXX | Lender provided an updated 1003, 1008, and XXX. The income was increased to match the income calculation (instead of using a more conservative amount) and to include the XXX. Resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026060177 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026060186 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Residual income of $XXX does not meet guideline minimum of $XXX. Please provide additional asset verification documents. | Document Uploaded. | XXX | Received an updated CRSE. Guidelines require a XXX residual income. Actual - XXX residual income. Compensating factors : Borr has owned business for XXX years; Reserves of XXX months; Credit History - XXX credit history; Qualifying LTV is XXX. Confirmed - acknowledged. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060186 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060186 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060174 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060174 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060174 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060181 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Assets balance for XXX and dated XXX - which shows a lower balance than lender calculated. Assets for reserves are insufficient. | Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. XXX Exception provided for XXX months uploaded in trailing doc | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060181 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Assets balance for XXX and dated XXX - which shows a lower balance than lender calculated. Assets for reserves are insufficient. | Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s). XXX Exception provided for XXX months uploaded in trailing doc | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060181 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060181 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060210 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Please provide the XXX for the property located at XXX |
Document Uploaded. Hi per XXX Report it shows Bwr s not the Owner and I just attached the Tax Search which doesn't shows our Bwr as the Owner. If not agreed pls escalate to Management, thanks ; Document Uploaded. XXX doesn't belong to our Bwr | XXX | Verification of taxes, insurance and HOA Fees provided.; Per management, okay to accept property report showing borrower does not own property XXX that is reflected on the XXX schedule with monthly expense. Since Borrower is not the owner, documentation to verify the expenses not required. Condition cleared.; Fraud report in file reflects as of XXX the Borrower owns XXX and REO on the final 1003 signed by the Borrower also reflects the property is owned. Property report provided is dated XXX which is prior to the public records reflected in the fraud report. Please provide the documentation to support the monthly taxes, insurance, and HOA dues of $XXX per month reflected on the final 1003. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060210 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Recording fee on the final CD issued on XXX without a valid XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a B; Cure package provided to the borrower; exception downgraded to a B | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060210 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | Document Uploaded. ; Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The XXX can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX. | XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026060210 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060096 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX. We are missing the Initial CD, evidence of receipt in file XXX . This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded signed initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060096 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060096 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060167 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060167 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060167 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX | This loan failed the XXX.( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge calculation include: Points - Loan Discount Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Title Closing Protection Letter (XXX) [Closing Protection Letter Fee] paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX. |
Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing a copy of the new right to cancel. When finance charges are under disclosed at consummation on a XXX loan rescission must be reopened | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Flood Certificate Missing | Missing Flood Certificate. Flood cert in the file is for an incorrect property. Please provide the Flood cert for the XXX. | Document Uploaded. | XXX | Flood Certificate is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a 3rd party VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. The Lender requires that all XXX properties be documented with the PITIA. The file is missing proof of the HOA payment for the property on XXX. Please provide proof of the HOA payment for the XXX. If there is no HOA payment, please provide 3rd party proof of No HOA payment or a signed letter from the borrower stating that there is no HOA payment. | Document Uploaded. Shows HOA is $XXX. I assume worst case $XXX/month. | XXX | Verification of taxes, insurance and HOA Fees provided. XXX XXX |
XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Unable to locate HOA payment statement | Uploaded to other duplicate finding. | XXX | XXX XXX |
XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The Lender requires a completed XXX for all bank statement income transactions. The XXX in the file only has the borrower's name signed digitally. The rest of the form is not completed. Please provide a complete and signed XXX for review. | Document Uploaded. Questionnaire is showing completed on our side. I uploaded. XXX if you don't see it. | XXX | Income and Employment Meet Guidelines. Completed XXX was provided; Income and Employment Do Not Meet Guidelines. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The Lender requires a 3rd Party Verbal Verification of Employment completed within XXX (XXX) calendar days. The file is missing the required 3rd Party Verbal Verification of Employment. The file contains Secretary of State verification and they are not dated. Provide a 3rd Party Verbal Verification of Employment completed within XXX calendar days of closing. | Document Uploaded. Uploaded XXX. Date in lower left corner. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. Per XXX XXX XXX XXX, Verbal verification of Employment is not required on XXX (XXX) income. XXX business bank statement in the file show business is currently active. CPA letter dated XXX show business is currently active; Per XXX GL XXX, Verbal verification of Employment is not required on XXX (XXX) income. XXX business bank statement in the file show business is currently active. CPA letter dated XXX show business is currently active | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060215 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060211 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The required Bank Statement Questionnaire in the loan file was not fully executed. Although the Form had a signature, it was not dated. In addition, none of the required information was entered. Please provide a fully executed Business Questionnaire. | Document Uploaded. | XXX | Income and Employment Meet Guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060211 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060211 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation required: There's no evidence of the revised XXX issued XXX in the loan file. | Document Uploaded. | XXX | Revised LE provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060211 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060189 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX ; cure package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery or valid XXX. The lender credit tolerance violation is due to decrease in Lender Credit from $XXX to $XXX. The violation can be cured by providing the revised disclosure within XXX business days of XXX. | Document Uploaded. | XXX | Valid XXX with applicable XXX provided; exception resolved; Valid XXX with applicable XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | C | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060189 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation required to clear exception: Please provide revised XXX dated XXX per lender's disclosure tracker. | Document Uploaded. | XXX | XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060189 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial XXX Disclosure | XXX Disclosure is Missing. Documentation required. Please provide XXX Disclosure. | Document Uploaded. | XXX | Initial XXX Account Disclosure is Resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | B | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060189 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060189 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060192 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require XXX months of verification on rent. B2 is currently renting - documentation required for verification. | Document Uploaded. ; Document Uploaded. | XXX | Documentation supports XXX month rental payments, including the prorated XXX payment due to the borrowers moving into the subject property mid-month.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; XXX rental history received. MissingXXX rent payment to complete full XXX month history. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060192 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on the XXX dated XXX without valid XXX. XXX dated XXX does not provide valid reason for Lender credit decrease. | Document Uploaded. Please see LOX from our Compliance Team | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060192 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060192 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060180 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Lender to provide a verbal verification of employment (VVOE) that must be completed within XXX calendar days prior to the note date. | Document Uploaded. ; Please re-review, existing XXX uploaded is dated XXX, loan closed XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Please provide VOE within XXX days of the closing date XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060180 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060180 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Requirements met HPML downgraded. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Assets funds are utilizing an LLC. Borrower is not full owner of the LLC. Lender acknowledged - LLC owned by a XXX set up by the borrower for XXX & XXX. Trustee approved and property is a primary residence. Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX. Confirmed - acknowledged. | Asset Qualification Does Not Meet Guideline Requirements. Assets funds are utilizing an LLC. Borrower is not full owner of the LLC. Lender acknowledged - LLC owned by a Trust set up by the borrower for his XXX & XXX. Trustee approved and property is a primary residence. Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX. Confirmed - acknowledged. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. B1 is a XXX. Payment Shock for a XXX is XXX%. B1 is at XXX%. | Document Uploaded. | XXX | Lender provided and exception | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060178 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060178 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The loan file does not contain verification of the Borrower’s XXX% ownership of the business used for qualification. The loan file does not contain a CPA/Tax Preparer Letter confirming the Borrower’s ownership percentage. The loan file contains a XXX document showing the Borrower is a XXX along with another XXX, however, the ownership percentages are not reflected. Please provide verification of the Borrower’s XXX% ownership of the business used for qualification. | Document Uploaded. | XXX | Income and Employment Meet Guidelines.; Operating Agreement received confirming Borrower as XXX% owner as of XXX, however, was not executed until XXX. After reviewing with management, okay to accept since documentation in file supports previous ownership prior to new doc just signed in XXX (based on documentation in file the Borrower has been a member sinceXXX, the XXX was added XXX). Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060178 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060178 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060172 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The Lender requires a 3rd Party Verbal Verification of Employment completed within XXX (XXX) calendar days. The file is missing the required 3rd Party Verbal Verification of Employment. The file contains third party sources that verify the business but they are > XXX calendar days old. Provide a 3rd Party Verbal Verification of Employment completed within XXX calendar days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060172 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060172 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060209 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Earnest Money funds are sourced from the non-signing spouses business. Please provide proof that the non-signing spouse has full access to the funds used. | Asset Qualification Meets Guideline Requirements.; Lender removed XXX from available assets and considered them as not sourced since they came from non-borrowing spouse's business without documentation to support percentage of ownership. Removal of asset did not have a material impact on the loan. Condition cleared.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060209 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income/Employment General | The 1008 reflects an additional debt of $XXX that is not documented in the file. Please provide an explanation for this debt for review. | Document Uploaded. | XXX | Document Uploaded. ; Lender provide explanation that the other REO expenses of $XXX and $XXX were removed due to mortgage statements confirmed XXX. No other expenses on the XXX. Condition cleared.; Document Uploaded. ; A 1008 was uploaded removing the REO expenses of $XXX and $XXX reflected on the final 1003, however, no explanation was provided. Please either provide the documentation to support the $XXX and $XXX expenses or a letter of explanation regarding the reason for removing those expenses from the DTI. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060209 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060209 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |
Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060191 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060191 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060191 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No cure required. HPML with established XXX and appraisal requirement met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060195 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060195 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060195 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060193 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements. Per Guideline no Collections in the last XXX months. There is a collection with XXX that is reporting as of XXX with $XXX balance. The XXX Exception in the file is for Credit-Judgments/Collections/Tax Liens, Guideline-No collection in past XXX months. Actual-Collection dated XXX -$XXX from XXX. Rationale-XXX to get special pricing. Granted by Lender on XXX. | Delinquent Credit History Does Not Meet Guideline Requirements. Per Guideline no Collections in the last XXX months. There is a collection with XXX that is reporting as of XXX with $XXX balance. The XXX Exception in the file is for Credit-Judgments/Collections/Tax Liens, Guideline-No collection in past XXX months. Actual-Collection dated XXX -$XXX from XXX. Rationale-XXX to get special pricing. Granted by Lender on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060193 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060193 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No cure required. HPML with established XXX and appraisal requirement met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060184 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Lender Matrix the maximum DTI is XXX% for LTV > XXX%%. The subject transaction closed at XXX% LTV/CLTV. The final DTI of XXX% exceeds the XXX% maximum DTI allowed. The loan does not qualify based on the Lender's XXX. | Document Uploaded. Uploaded CRSE with exception for DTI.; Document Uploaded. | XXX | Lender exception for XXX% DTI which exceeds the max of XXX% approved by investor on XXX.; Subject loan is slated for XXX, guidelines cited in rebuttal are for XXX. Max DTI for XXX product is XXX% when the LTV is greater than XXX%. Condition remains. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026060184 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. The Lender requires Residential Pay history XXX. The file documents that the borrower rented a property with a Lease Start Date XXX. The file is missing proof of the XXX and XXX rent payment history. Please provide proof of the missing XXX month rent payments that supports XXX housing payments. | Document Uploaded. | XXX | Rental payment history documented on page XXX. Condition rescinded. | XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2026060184 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060184 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No cure required. HPML with established XXX and appraisal requirement met. Exception downgraded to a A. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026060220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX. (XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. no Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX .While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX | Cure package provided to the borrower; exception downgraded to a B | Document Uploaded. Uploaded cure docs.; XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Re-inspection Fee added on the XXX CD. Fee was not added within XXX days of the increase UCDP first submission was XXX. | XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026060220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | Can you please clear this finding? Doesn't appear we need to do anything. Thanks! | XXX | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060190 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | Cure package provided to the borrower; exception downgraded to a B | Document Uploaded. ; XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the credit report fee from $XXX to $XXX without valid XXX. | XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026060190 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender to provide a full XXX months of rental history that supports XXX. See page XXX, line #XXX has an existing deposit of $XXX per original rent/lease agreement dated XXX. | Document Uploaded. | XXX | Lease and XXX months of rental payments/canceled checks are reflected in the bank statements. Condition rescinded. | XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026060190 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing proof of HOA dues for XXX property located at XXX | Document Uploaded. | XXX | Verification of taxes, insurance and HOA Fees provided. Borrower letter says HOA on XXX $XXX pulled XXX says $XXX higher of | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060175 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD issued XXX is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060175 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. The tolerance violation in the amount of $XXX is due to decrease from $XXX to $.XXX for the lender credit on the XXX CD. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. |
Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060175 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. The tolerance violation in the amount of $XXX is due to increase from $.XXX to $XXX for the discount fee added on the XXX CD without a correct XXX. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. |
Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060175 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060175 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Lender to provide the missing bank statemnets for XXX, XXX, and XXX to support the income used in qualifying | Document Uploaded. | XXX | Income and Employment Meet Guidelines.; XXX, and XXX bank statements provided to complete full XXX months. Statements provided match what was used to qualify. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060221 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060221 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060221 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060222 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing. Guideline require a 3rd Party XXX dated within XXX calendar days of closing. Please provide a 3rd Party XXX dated within XXX calendar days of the closing date for both business use to qualify for the subject transaction. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Borrower 1 3rd Party VOE Was Provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060222 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060222 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060101 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060101 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060225 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | Document Uploaded. ; Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX. | XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060225 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Initial CD provided; exception resolved | Document Uploaded. ; XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. The tolerance violation in the amount of $XXX is due to increase of the recording fee from $XXX to $XXX on the CD dated XXX. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. |
XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060225 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060225 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only; This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060224 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060224 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060224 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | Transaction meets XXX guidelines. Transaction is a purchase of XXX. XXX review is not required The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060226 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060226 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060226 | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Event – Requirement Not Met | Missing tax documentation in file to verify the $XXX annual property taxes used in the DSCR calculation. | XXX: LOE | XXX: Received | XXX | 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 | |||
| 2026060005 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX. XXX reflects monthly gross market income of $XXX and actural rents of $XXX. Please opine. | XXX: CRSE | XXX: Waived | XXX | LTV XXX, FICO XXX, XXX months reserves | 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 | ||
| 2026060012 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060004 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For Property :XXX | XXX: Field review | XXX: Received | XXX | 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 | |||
| 2026060003 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For Property : XXX | XXX: Field Review | XXX: Received | XXX | 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 | |||
| 2026060003 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet of gross living area < XXX minimum requirement. Subject property is ineligible as per guidelines. | XXX: CRSE | XXX: Waived | XXX | DSCR XXX,LTV XXX%,FICO XXX | 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 | ||
| 2026060022 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060023 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | $XXX insurance coverage < $XXX minimum insurance required. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX+ HOA $XXX. 1007 in file reflects montly rental income of $XXX. STR calculator in file reflects $XXX annual rental income which is $XXX montly rent. Please opine. | XXX: UW with XXX% vacancy factor reduced from 1007 STR income | XXX: Confirmed DSCR XXX, UW with XXX% vacancy factor reduced from 1007 STR income | XXX | 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 | |||
| 2026060006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Short Term Rental Income - Missing or Defective | Subject property is a short term rental. Per guidelines, please provide XXX-month bank statements to use $XXX as qualifying rent. | XXX: CRSE | XXX: Exception received to use 1007 STR income with a XXX% vacancy factor to qualify | XXX | FICO XXX, LTV XXX%, XXX | D | B | D | 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 | ||
| 2026060024 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060018 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060236 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for Subject Property: XXX | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060092 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed; refinance cash out transaction; Fico XXX | XXX: CRSE | XXX: Waived | XXX | DSCR XXX, Fico XXX, XXX months reserves | 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 | ||
| 2026060037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX. XXX in file reflects montly rental income of $XXX and the tax certificate in file reflects annual tax of $XXX. Please opine. | XXX: LOE | XXX: Received | XXX | 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 | |||
| 2026060029 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060025 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance in file for subject property: XXX is missing policy number. | XXX: Informational | XXX: Informational | XXX | C | B | A | A | 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 | |||
| 2026060032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Provided credit report reflects XXX. Late mortgage payment dated: XXX. Per guidelines, a maximum of XXX late payments are allowed. | XXX: CRSE | XXX: Waived | XXX | Fico XXX, LTV XXX%, XXX months reserves | 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 | ||
| 2026060030 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060017 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060021 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060094 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Missing Closing Disclosure for subject property: XXX. | XXX: CD | XXX:Received | XXX | 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 | |||
| 2026060013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | $XXX cash to borrower > $XXX max limit allowed for LTVs greater than XXX% | XXX: CRSE | XXX: Waived | XXX | DSCR XXX, XXX months reserves, 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 | ||
| 2026060035 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for Entity: XXX | XXX: Articles and IRS document | XXX: Received | XXX | 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 | |||
| 2026060031 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060027 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060016 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX + HOA $XXX. Rental Avm in file reflects $XXX monthly rent. Please opine. | XXX: CRSE | XXX: Received | XXX | 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 | |||
| 2026060026 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060041 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause and the lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060043 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | The evidence of insurance provided does not include the agent's signature. Please provide an updated evidence of insurance signed and dated by the insurance agent. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060035 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Credit Score Requirement Not Met | FICO score of XXX < XXX minimum required. | XXX: CRSE | XXX: Waived | XXX | DSCR XXX, XXX% LTV, 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 | ||
| 2026060033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Payoff Statement Missing or Defective | Missing payoff statement for $XXX to XXX. Per guidelines, please provide a payoff statement to clear it off of XXX. | XXX: Payoff | XXX: Received | XXX | 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 | |||
| 2026060028 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance is missing XXX. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the PPP must be soft, however, the PPP in file is not soft. | XXX: There is no PPP at all, it was removed. Updated CD has been uploaded | XXX: Confirmed PPP was removed; Clear | XXX | 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 | |||
| 2026060002 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | XXX: Informational | XXX: Informational | XXX | 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 | |||
| 2026060002 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Closing Disclosure (HUD) for subject property: XXX. | XXX: HUD | XXX: Received | XXX | 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 | |||
| 2026060008 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060039 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Missing or Defective | Missing appraisal report and appraisal review for subject property : XXX. | XXX: Appraisal & CDA | XXX: Received | XXX | 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 | |||
| 2026060039 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Flood Certificate Missing or Defective | Missing flood certificate for subject property: XXX. | XXX: Flood | XXX: Received | XXX | 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 | |||
| 2026060040 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060040 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Flood Certificate Missing or Defective | Missing flood certificate for subject property: XXX. | XXX: Flood | XXX: Received | XXX | 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 | |||
| 2026060034 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060038 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance in file does not reflect the correct property address: XXX. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060015 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060237 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing closing protection letter (CPL). | XXX: XXX | XXX: Received | XXX | 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 | |||
| 2026060049 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060050 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060051 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060058 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060011 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060095 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060044 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060045 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060048 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | DSCR Minimum Not Met | XXX < XXX minimum DSCR required for short term rental refinance cash out transactions. | : | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX months reserves | 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 | ||
| 2026060235 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent. | XXX:CRSE | XXX: Waived | XXX | DSCR XXX, FICO XXX, XXX months reserves | D | B | D | 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 | ||
| 2026060097 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060055 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060007 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060047 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% > XXX% maximum LTV limit per guidelines for loan amounts below $XXX. | XXX: CRSE | XXX: Waived | XXX | DSCR XXX, Fico XXX, XXX months reserves | C | B | B | B | B | B | C | B | N/A | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | 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 | ||
| 2026060020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Zoning Non-compliance | Subject property is XXX. Per guidelines, zoning violations including residential properties XXX are ineligible. | XXX: CRSE | XXX: Waived | XXX | DSCR XXX, Fico XXX, XXX months reserves | C | B | C | B | B | B | C | B | N/A | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | N/A | C | B | C | 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 | ||
| 2026060054 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060010 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Event – Requirement Not Met | Provided credit report reflects XXX. Late mortgage payments dated: XXX. Per guidelines, a maximum of XXX late mortage payments are allowed. | XXX: LOE | XXX: Received | XXX | 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 | |||
| 2026060062 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Report Missing or Defective | Provided credit report reflects XXX. Late payment dated: XXX. Per guidelines, a maximum of XXX late payments are allowed. | XXX: CRSE | XXX: Waived | XXX | Fico XXX, XXX months reserves, XXX LTV | 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 | ||
| 2026060060 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060239 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060067 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060072 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX. Please opine. | XXX: CRSE | XXX: Received | XXX | 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 | |||
| 2026060069 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060069 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date of XXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: Hazard Insurance | XXX: Received | XXX | 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 | |||
| 2026060070 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date of XXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: Hazard Insurance | XXX: Received | XXX | 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 | |||
| 2026060070 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: CDA | XXX: Received | XXX | 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 | |||
| 2026060099 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060053 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060046 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Payoff Statement Missing or Defective | Missing payoff statement. The mortgage and note for this loan are in file, but no payoff statement is provided to clear it off of title. | XXX: Payoff Letter | XXX: Received | XXX | 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 | |||
| 2026060052 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Asset Documentation Missing or Defective | Please provide the XXX for XXX confirming that the borrowers hold at least XXX% ownership interest, so that the funds in XXX can be verified. | XXX: Articles and IRS document | XXX: Received | XXX | 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 | |||
| 2026060065 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060066 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060076 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Provided credit report reflects XXX. Late mortgage payment dated: XXX. Per guidelines, a maximum of XXX late payments are allowed. | XXX: CSRE | XXX: Waived | XXX | FICO XXX, DSCR XXX, LTV 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 | ||
| 2026060079 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060064 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060238 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060061 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060059 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060063 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060075 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060078 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060068 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060071 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% > XXX% LTV limit for a purchase transaction with a DSCR value of XXX and declining property trend. | XXX: CRSE | XXX: Received | XXX | FICO XXX, XXX months reserves, 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 | ||
| 2026060100 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ P&I $XXX +Insurance $XXX + Taxes $XXX. Title policy in file reflects $XXX annual taxes. Please opine. | XXX: CRSE | XXX: Received | XXX | 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 | |||
| 2026060100 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | The XXX for XXX reflects both XXX and XXX as sole members of the LLC. Please provide an updated XXX. | XXX: XXX | XXX: Received | XXX | 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 | |||
| 2026060073 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060077 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060084 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060081 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060103 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date of XXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: Hazard | XXX: Received | XXX | 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 | |||
| 2026060083 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060056 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060074 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | $XXX insurance coverage < $XXX minimum insurance required. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060080 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Zoning Non-compliance | Subject property is XXX. Per guidelines, zoning violations including residential properties XXX are ineligible. | XXX: CRSE | XXX: Waived | XXX | FICO XXX, LTV XXX%,XXX DSCR | C | B | C | B | A | A | C | B | 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 | 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 | ||
| 2026060091 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060102 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060098 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ P&I $XXX +Insurance $XXX+ Taxes $XXX. XXX in file reflects $XXX annual taxes. Please opine. | XXX: CRSE | XXX: Received | XXX | 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 | |||
| 2026060085 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060089 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060090 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060106 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060082 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060107 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060105 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060086 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060087 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060088 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | $XXX cash to borrower > $XXX maximum limit allowed for LTVs greater than XXX%. | XXX: CRSE | XXX: Received | XXX | FICO XXX, XXX months reserves, 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 | ||
| 2026060111 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | XXX Missing or Defective | XXX questionnaire in file indicates that XXX owns more than XXX% of the project’s total units. Per guidelines, no XXX, XXX, or corporation may own more than XXX% of the project's total units. | XXX: CRSE | 20260904: Waived | XXX | Fico XXX, LTV XXX% , XXX months reserves | 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 | ||
| 2026060113 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060110 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060108 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060112 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060104 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060109 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060115 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060114 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060116 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060001 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026060228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders Property taxes are different than what is reported in the file and on the final CD. The Lender added $XXX rental income vs. $XXX HOA Fee. These items created the DTI discrepancy. Please update the 1008/CRSE with accurate PITI information. | Document Uploaded. | XXX | Lender qualified the Borrower without the tax exemption (see XXX for Tax Cert). Final CD reflects taxes with Seller's exemption which will not apply to the Borrowers. Updated 1008/CRSE not required. Condition rescinded.; Material | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060254 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060254 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060254 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026060253 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Please provide an endorsement or satisfactory amendment to confirm that no surface rights are granted or reserved in connection with the mineral rights set forth in Exception #XXX (XXX) | Document Uploaded. XXX endorsement, XXX the final policy that will show the XXX endorsement This was just cleared another loan file by the investor, XXX endorsement covers surface mineral right in XXX |
XXX | Documentation provided is sufficient. Exception resolved.; Property Title Issue Resolved | XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060253 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060253 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060131 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum Borrower has stable job time |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060131 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum Borrower has stable job time |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060131 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum Borrower has stable job time |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060229 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Was Provided.; Disclosure Tracking, a letter from XXX , and the borrower's business info was uploaded. Please provide reverification of the Borrower's business dated within XXX days of the Note date. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060229 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Tax Service Fee and from $XXX to $XXX for the appraisal fee. A $XXX cure was provided at closing, leaving a reminder of $XXX cure required. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060229 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060229 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |
Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026060229 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026060231 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060231 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060231 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060231 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060233 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property - Acreage/lot - guideline XXX acres OK to XXX with similar comps - Actual XXX Acre parcel. ok on property. The file contains a CRSE exception that was approved on XXX. | Property - Acreage/lot - guideline XXX acres OK to XXX with similar comps - Actual XXX Acre parcel. ok on property. The file contains a XXX exception that was approved on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026060233 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. The Lender requires a full executed Final 1003 be in the loan file. The file contains the Initial 1003 only. Per Lender, we can only use the assets that are listed on the Final 1003 in Sec 2a for qualifying the loan transaction. The Initial 1003 does not list any assets. Please provide a Final 1003 that is complete with assets listed for review. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026060233 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income documentation does not meet guidelines | Missing a fully executed bank statement questionnaire. The Bank Statement Questionnaire that is in the file is only signed; no other information is entered. Please provide a fully completed/executed Bank Statement Questionnaire for review. | Document Uploaded. | XXX | Fully executed XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026060233 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026060230 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements. The Lender requires Evidence of gift fund transfer from to the donor to the borrower. The file is missing proof the gift funds were transferred to the borrower. Please provide proof of gift fund transfer to the borrower. | Document Uploaded. | XXX | Asset XXX Meets Guideline Requirements Or Not Applicable | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060230 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements. The Lender requires Evidence of gift fund transfer from to the donor to the borrower. The file is missing proof the gift funds were transferred to the borrower. Please provide proof of gift fund transfer to the borrower. | Document Uploaded. | XXX | Asset XXX Meets Guideline Requirements Or Not Applicable | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060230 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060230 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Final 1003 Missing in this file . | Document Uploaded. | XXX | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060282 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require a mid FICO score of XXX or higher | Document Uploaded. DSCR Guideline. ; Document Uploaded. XXX Credit Score Meets Guidelines. ; Document Uploaded. XXX Credit Score meets Guideline. |
XXX | Audited FICO of XXX meets the Elevate DSCR matrix requirement for a cash-out transaction at XXX% LTV.; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; This is a DSCR loan Please see GL for DSCR not an Alt Doc loan; Core eXperienced Investor Program Program Eligibility & Credit Matrix - DSCR loan = XXX matrix XXX for cash out investment XXX% XXX N.A for cash out Elevated XXX you sent is not for DSCR loans |
XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026060282 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026060282 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |