AOMT II, LLC ABS-15G

Exhibit 99.43

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating Factors Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
2026060243   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060243   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060243   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. Unable to locate documentation verifying the borrower's identity. The XXX Information Form is signed by the borrower, but the form is blank regarding the document used to verify the borrower's identity. Please provide a photo identification card or a completed XXX  Information Form.  

   Document Uploaded. Supporting Documents - XXX
 XXX provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX
   XXX Resolved 3 1 3 1
2026060369   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Compliance XXX - Loan Estimate Disclosure Received and Intent To Proceed The date the consumer indicated an intent to proceed with a transaction (XXX) is before the date the consumer received the Loan Estimate (XXX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) the only provided loan estimate is dated XXX. Intent to proceed is dated and signed XXX

   Document Uploaded. Supporting Document - XXX
 Received XXX - XXX
Document Uploaded. Supporting Document -XXX
   XXX Resolved 3 1 3 1
2026060369   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060369   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 3 1
2026060310   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060310   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060310   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. XXX. Document provided does not show an effective date of the Active status.  

   Document Uploaded. XXX with print date. - XXX
 Document Uploaded. Supporting Document - XXX
 3rd party VOE provided. Condition resolved. - XXX
Document Uploaded. XXX with print date. - XXX
Condition upheld. Document provided does not show an effective date of the Active status. - XXX
Document Uploaded. Supporting Document -XXX
   XXX Resolved 3 1 3 1
2026060344   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060344   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060344   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060266   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 5 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060266   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 5 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
        XXX Cleared 1 1 3 1
2026060266   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 5 XXX Credit XXX: EIN Doc is Missing The loan file does not contain the XXX: EIN documentation. Missing the EIN documentation for XXX.

  Document Uploaded. EIN
 - XXX
 XXX: EIN documentation provided. Condition resolved. - XXX
Document Uploaded. EIN
 - XXX
   XXX Resolved 3 1 3 1
2026060266   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 4 of 5 XXX Credit Asset XXX Missing Asset documentation is missing from the file. Missing XXX statement for XXX to support XXX months reserves.  

   Document Uploaded. assets supporting the reserves
 - XXX
 Asset XXX Provided - XXX
Assets statement provided. Condition resolved. - XXX
Document Uploaded. assets supporting the reserves
 - XXX
   XXX Resolved 3 1 3 1
2026060266   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 5 of 5 XXX Credit Asset XXX Missing Asset documentation is missing from the file. Missing XXX to support XXX months reserves.  

   Document Uploaded. assets supporting the reserves
 - XXX
 Asset XXX Provided Or Not Applicable -XXX
Assets statement provided. Condition resolved. - XXX
Document Uploaded. assets supporting the reserves
 -XXX
   XXX Resolved 3 1 3 1
2026060279   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060279   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060279   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060301   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 4 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 4 1
2026060301   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 4 XXX Credit Other Credit Finding The Mortgage XXX appears to be incorrect. The borrower's ID and final loan application indicate the borrower is a XXX. The vesting on the Mortgage/DOT reflects the borrower as "XXX, A XXX". Please provide clarification or an updated Mortgage with the correct XXX.  
   Document Uploaded. Supporting Document - XXX
 Affidavit Of Correction provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 4 1 4 1
2026060301   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 4 1
2026060301   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 4 of 4 XXX Credit Income and Employment Do Not Meet Guidelines Income and employment do not meet guidelines. Unable to determine if the borrower still owns XXX, which is not reflected on the final loan application. Please provide documentation verifying the borrower no longer owns this property reporting on the XXX tax returns.
  Document Uploaded. Supporting Documents - XXX
 LOE and promissory note provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX
   XXX Resolved 3 1 4 1
2026060356   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060356   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060356   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit Hazard Insurance - Other Insurance Missing The policy verifying other property insurance is missing from the loan file. Evidence of hazard insurance expense on primary residence is missing.

  Document Uploaded. Supporting Documents - XXX
 Document Uploaded. Supporting Document - XXX
 Hazard insurance provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX
Condition upheld. Evidence of hazard insurance expense on primary residence is missing for XXX. - XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 3 1 3 1
2026060313   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 1 of 4 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 3 1
2026060313   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 2 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060313   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 3 of 4 XXX Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Provide missing B1 VOE from XXX Department of XXX  prior to close

  Document Uploaded. VOE - XXX
 3rd party VOE provided. Condition resolved. - XXX
Borrower 1 3rd Party VOE prior to close was provided. - XXX
Document Uploaded. VOE - XXX
   XXX Resolved 3 1 3 1
2026060313   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 4 of 4 XXX Credit Purchase Contract - Addendum Missing The XXX is missing. Please provide the contract addendum reflecting the final purchase price.
  Document Uploaded. Addendum - XXX
 Purchase contract/Addendum provided. Condition resolved. - XXX
Document Uploaded. Addendum - XXX
   XXX Resolved 2 1 3 1
2026060347   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060347   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060347   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060250   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Credit XXX Document Missing Title document is missing. Subject to review and additional requirements.  



   Document Uploaded. XXX COMMITMENT
 - XXX
 XXX document provided. Condition resolved. - XXX
Document Uploaded. TITLE COMMITMENT
 - XXX
   XXX Resolved 3 1 3 1
2026060250   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060250   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060251   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060251   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060251   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060358   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060358   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060358   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060257   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060257   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060257   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060322   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 2 2
2026060322   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 2 2
2026060322   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 3 of 3 XXX Credit Program Parameters - Guidelines XXX The subject loan does not conform to program guidelines. All appraisals must be ordered through an XXX. The subject appraisal report is a XXX. A formal exception is in the file.  

       Loan approved based on credit score XXX points above minimum and XXX months reserves greater than the minimum requirement.  XXX Waived 2 2 2 2
2026060345   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060345   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060345   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit Verification Documenation - VOR Missing The loan file did not contain a Verifiction of Rent as required. Provide VOR $XXX on primary residence

  Document Uploaded. rent history - XXX
 Docs provided. Condition resolved. - XXX
Document Uploaded. rent history -XXX
   XXX Resolved 3 1 3 1
2026060332   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 4 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 3 1
2026060332   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 4 XXX Credit Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date).
  Document Uploaded. Supporting Documents - XXX
 Borrower 1 XXX Credit Report provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX
   XXX Resolved 3 1 3 1
2026060332   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060332   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 4 of 4 XXX Credit Borrower - XXX Documentation The borrower indicates XXX status, however, the file contains no evidence documenting status as legally. Missing XXX status document.

  Document Uploaded. Supporting Document -XXX
 Permanent XXX  provided. Condition resolved. -XXX
Document Uploaded. Supporting Document -XXX
   XXX Resolved 2 1 3 1
2026060286   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060286   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060286   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060340   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060340   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060340   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 3 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060319   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060319   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060319   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060359   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060359   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Property No Property Findings Loan meets applicable appraisal guidelines.

        XXX Cleared 1 1 1 1
2026060359   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060303   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 4 XXX Credit Third Party Fraud Report not Provided Missing third party fraud report. Missing a satisfactory fraud report.  



   Document Uploaded. Supporting documentation for fraud report - XXX
 Document Uploaded. Supporting Document -XXX
 Third party fraud report is provided. Condition resolved. -XXX
Document Uploaded. Supporting documentation for fraud report - XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 3 1 3 1
2026060303   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060303   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 4 XXX Credit Income and Employment Do Not Meet Guidelines Income and employment do not meet guidelines. Missing the XXX bank statement for XXX XXX. Subject to re-calculation of income.  

   Document Uploaded. Please see attached XXX - XXX
 Income and Employment Meet Guidelines - XXX
Bank statement for XXX  provided. Condition resolved. - XXX
Document Uploaded. Please see attached T/Y -XXX
   XXX Resolved 3 1 3 1
2026060303   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 4 of 4 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 6 XXX Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing.

  Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
 Evidence Business is in existence was provided.  Condition resolved. -XXX
Borrower 1 3rd Party VOE prior to close was provided. - XXX
Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
   XXX Resolved 3 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 6 XXX Credit Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date).
  Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
 XXX/XXX provided.  Condition resolved. - XXX
Borrower 1 XXX Credit Report is not expired. - XXX
Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 -XXX
   XXX Resolved 3 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 6 XXX Credit Borrower 2 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) Borrower 2 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date).
  Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
 XXX/XXX provided.  Condition resolved. - XXX
Borrower 2 XXX Credit Report is not expired. - XXX
Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
   XXX Resolved 3 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 4 of 6 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 5 of 6 XXX Credit XXX: XXX Doc is Missing The loan file does not contain the XXX: XXX. Provide Tax professional letter or operating agreement that reflects the borrower's ownership XXX percentage on XXX

   Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 -XXX
 Agreement provided showing Borrower is XXX% owner.  Condition resolved. - XXX
Document Uploaded. PLEASE SEE XXX FOR SUMMARY OF ALL CONDITIONS
 - XXX
   XXX Resolved 3 1 3 1
2026060365   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 6 of 6 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 3 1
2026060349   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 1 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 2 2
2026060349   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 2 of 3 XXX Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. An approved exception is present in file less than XXX months of current employment in same line of work.  

       Verified comp factors of credit score XXX points higher than minimum.  DTI below maximum by more than XXX%.  Reserves exceed required by XXX.  Residual income exceeds min required.  Credit history XXX, XXX. XXX Waived 2 2 2 2
2026060349   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 3 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 2 2
2026060360   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 4 XXX Credit Borrower 1 XXX Credit Report is Missing Borrower 1 XXX Credit Report is Missing Unable to locate XXX Credit report.  

   Document Uploaded. Supporting Document - XXX
 Borrower 1 XXX Credit Report provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 4 1 4 1
2026060360   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 4 1
2026060360   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 4 XXX Credit Liabilities - XXX The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate sufficient documentation to verify primary property, Insurance, HOA, Taxes



  Document Uploaded. Supporting Document - XXX
 XXX statement and XXX provided. Condition resolved -XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 3 1 4 1
2026060360   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 4 of 4 XXX Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice shows affiliates



  Document Uploaded. Supporting Document -XXX
 Affiliate was not utilized.  Disclosure not required - XXX
Document Uploaded. Supporting Document - XXX
   XXX Resolved 3 1 4 1
2026060370   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060370   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060370   XXX XXX XXX XXX XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060278   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 3 XXX Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        XXX Cleared 1 1 1 1
2026060278   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1
2026060278   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060337   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 1 of 4 XXX Credit Business Purpose - Loan Guaranty/Missing The Personal Loan Guaranty is missing. Review was unable to locate Loan Guaranty in file. Loan closed in name of Business. Borrowers signed as XXX.

  Document Uploaded. XXX guaranty XXX
 - XXX
 Docs provided. Borrower signed and member and XXX. Condition resolved. - XXX
Document Uploaded. personal guaranty LOE
 - XXX
   XXX Resolved 4 1 4 1
2026060337   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 2 of 4 XXX Compliance Closing Detail Statement Indicator is Missing Closing Detail Statement Indicator is Missing. All XXX/ settlement statements in the file are marked "Estimated". Review did not locate a final CD or XXX.

  Document Uploaded. 1. XXX
2. XXX
 - XXX
 Closing Detail Statement Indicator is not Missing. - XXX
Received HUD - XXX
Document Uploaded. 1. XXX
2. XXX
 - XXX
   XXX Resolved 4 1 4 1
2026060337   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 3 of 4 XXX Credit XXX is Partial XXX partially provided. XXX in file does not list XXX. Review was unable to confirm the premium amount.  

   Document Uploaded. Supporting Document - XXX
 XXX  provided. Condition resolved. - XXX
Document Uploaded. Supporting Document -XXX
   XXX Resolved 3 1 4 1
2026060337   XXX XXX XXX XXX XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt XXX 4 of 4 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 4 1
2026060256   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 1 of 3 XXX Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        XXX Cleared 1 1 1 1
2026060256   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 2 of 3 XXX Credit No Credit Findings The loan meets all applicable credit guidelines.

        XXX Cleared 1 1 1 1
2026060256   XXX XXX XXX XXX XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX 3 of 3 XXX Property Value - Value is supported within -XXX% of original appraisal amount The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied.
        XXX Cleared 1 1 1 1