Exhibit 99.23
| Seller Name | Seller Loan ID | Customer Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| XXX | XXXXX | 305175376 | XXX-86 | 7/6/2026 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage | XX/XX/XXXX: Waived via overlay | XXX: Clear | FICO XXX, XXX Months reserves | Acknowledged | 7/6/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305181959 | XXX-299 | 7/16/2026 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property: XXX #XXX. Provided lease agreement expired on: XX/XX/XXXX | XX/XX/XXXX - XXX: Please see attached. Line #XXX of the lease agreement confirms the lease will continue on a month to month basis. The comparable rent schedule also reflects the lease start date of XX/XX/XXXX and currently being month to month. | XXX: Clear | Resolved | 8/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305191713 | XXX-495 | 7/30/2026 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is MISSING MORTGAGEe clause after lenders name. Please provide updated report with ISAOA verbiage | XX/XX/XXXX - XXX: Please see page #XXX of the attached. | XXX: Clear | Resolved | 8/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305204367 | XXX-506 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191574 | XXX-511 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305147630 | XXX-515 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305175054 | XXX-516 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305180347 | XXX-520 | 7/31/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX Title coverage < XXX Coverage required | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 7/31/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305196127 | XXX-521 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305169759 | XXX-525 | 7/31/2026 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity: XXX | XX/XX/XXXX XXX: please note that per the guidelines, the operating agreement is not required if a corporate resolution is obtained and the business is not a single member entity and all members of the business are also borrowers. Based on the documentation, the borrower is XXX% owner, and the other owner is not a borrower. Additionally, since the business is not a single member entity, a corporate resolution can be used as the corporate resolution also confirms the business and the borrower’s authorization to sign for the transaction. Please see the attached corporate resolution. | XXX: Clear | Resolved | 8/3/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305144701 | XXX-526 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305122744 | XXX-530 | 7/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305180347 | XXX-535 | 7/31/2026 | Property | Leasehold XXX | Leasehold Requirements Not Met or Not Provided | Subject property property rights are leasehold, which is not eligible per guidelines. | XX/XX/XXXX XXX: please see the attached documentation. Please note that while the property was initially a leasehold, the borrower is buying out the lease portion and the property will be a fee simple property once finalized. I've attached the ground rent confirmation and I've attached the confirmation from title that the property will be a fee simple property once finalized. | XXX: Clear | Resolved | 8/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305171863 | XXX-543 | 8/3/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305180349 | XXX-563 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305174121 | XXX-567 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305177997 | XXX-569 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197042 | XXX-572 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305192009 | XXX-577 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305174120 | XXX-583 | 8/4/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/4/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305195860 | XXX-591 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX:Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305187903 | XXX-593 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX:Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305195864 | XXX-595 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305195865 | XXX-601 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305173136 | XXX-611 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305176132 | XXX-615 | 8/5/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305139700 | XXX-624 | 8/6/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305139704 | XXX-627 | 8/6/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305176136 | XXX-632 | 8/7/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305192011 | XXX-638 | 8/7/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305181986 | XXX-672 | 8/10/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197035 | XXX-677 | 8/11/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197034 | XXX-678 | 8/11/2026 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment is MISSING MORTGAGEe clause after lenders name. Please provide updated report with ISAOA verbiage | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/11/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305215254 | XXX-684 | 8/11/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201079 | XXX-698 | 8/12/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305208638 | XXX-699 | 8/12/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305202967 | XXX-704 | 8/12/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305186575 | XXX-705 | 8/12/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305203921 | XXX-715 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305186644 | XXX-718 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305210782 | XXX-722 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305222194 | XXX-740 | 8/14/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305220719 | XXX-744 | 8/14/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305096933 | XXX-746 | 8/14/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305189506 | XXX-750 | 8/17/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305214208 | XXX-764 | 8/18/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191665 | XXX-768 | 8/18/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305225916 | XXX-770 | 8/18/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305212033 | XXX-776 | 8/19/2026 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment is MISSING MORTGAGEe clause after lenders name. Please provide updated title commitment with ISAOA verbiage. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XXX | Acknowledged | 8/19/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305214090 | XXX-786 | 8/19/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305226181 | XXX-791 | 8/19/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305211539 | XXX-792 | 8/20/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305210763 | XXX-797 | 8/20/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194875 | XXX-815 | 8/21/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305216541 | XXX-817 | 8/21/2026 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance MISSING MORTGAGEe clause after lenders name. Please provide updated Hazard insurance policy with ISAOA verbiage. | XX/XX/XXXX XXX: please see the attached insurance with the ISAOA verbiage | XXX: Clear | Resolved | 8/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305211899 | XXX-821 | 8/21/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305216745 | XXX-825 | 8/24/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305213258 | XXX-828 | 8/24/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305220690 | XXX-837 | 8/24/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305226004 | XXX-838 | 8/24/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305216735 | XXX-849 | 8/25/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/25/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305206640 | XXX-854 | 8/25/2026 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment is MISSING MORTGAGEe clause after lenders name. Please provide updated title commitment with ISAOA verbiage. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/25/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305216742 | XXX-857 | 8/26/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305195197 | XXX-860 | 8/26/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305213228 | XXX-861 | 8/26/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305226056 | XXX-876 | 8/29/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305190714 | XXX-880 | 8/27/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305208640 | XXX-881 | 8/27/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305207660 | XXX-885 | 8/27/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XXX | Acknowledged | 8/27/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305226180 | XXX-886 | 8/28/2026 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Fraud Report reflects borrower XXX | XX/XX/XXXX - XXX: Please see the attached letters from the borrower confirming their intended occupancy of the subject and the lack of a relationship between the borrower and seller of the subject. The borrower also attested that neither themselves or a family member will occupy the subject via the Business Purpose and Occupancy Affidavit. | XXX: Clear | Rescinded | 8/31/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305226180 | XXX-887 | 8/28/2026 | Credit | Application/Processing | Exterior Inspection Missing or Defective | Missing tax Certificate. Please provide tax bill for accurate tax calculation, taxes were pulled from appraisal. Unable to Calculate DSCR. | XX/XX/XXXX - XXX: Please see attached. The subject's annual taxes of XXX were verified page #XXX of the preliminary title commitment | XXX: Clear | Rescinded | 8/31/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305226180 | XXX-888 | 8/28/2026 | Credit | Borrower Requirements Not Met | Non-Occupant Borrower Requirements Not Met | Borrower XXX is a first time homebuyer and does not have history of rental property ownership. Borrower is ineligible per guidelines. | XX/XX/XXXX - XXX: Please see attached. The borrower previously owned the property located at XXX XXX within the most recent XXX year period. | XXX: Clear | Resolved | 8/31/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305207661 | XXX-889 | 8/28/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. Please provide updated title policy. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/28/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305207660 | XXX-891 | 8/27/2026 | Credit | Debt Service Coverage Ratio Documentation | DSCR Minimum Not Met | 80% LTV > XXX% maximum allowed for a XXXnance with a XXX FICO on the Investor Flex DSCR program. XXX / XXX = 80% LTV | XX/XX/XXXX - XXX: Please see attached. This is a delayed financing transaction, which is subject to rate and term parameters. The LTV of 80.00% is sufficient. | XXX: Clear | Rescinded | 8/31/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305208648 | XXX-892 | 8/27/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/27/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305207661 | XXX-893 | 8/28/2026 | Credit | LTV or ARLTV | Excessive LTV Ratio | 80% LTV > XXX% maximum allowed for a XXXnance with a XXX FICO on the XXX DSCR program. XXX / XXX = 80% LTV | XX/XX/XXXX - XXX: Please see attached. This is a delayed financing transaction, which is subject to rate and term parameters. The LTV of 80.00% is sufficient. | XXX: Clear | Rescinded | 8/31/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305220242 | XXX-898 | 8/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305226152 | XXX-901 | 8/28/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305213230 | XXX-916 | 8/29/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305225686 | XXX-918 | 8/28/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305190522 | XXX-919 | 9/1/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 9/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305226532 | XXX-924 | 8/29/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305227372 | XXX-927 | 8/31/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. Title policy is also missing lender's name and ISAOA. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/31/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305213255 | XXX-929 | 8/31/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305234144 | XXX-940 | 9/1/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. Title policy is also missing lender's name and ISAOA. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 9/1/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305226000 | XXX-954 | 9/1/2026 | Credit | Title or Lien | Title Insurance Missing or Defective | Preliminary Title report is missing Lender name, Mortagee clause, & Coverage amount. Please provide supplemental Title commitment with ISAOA/ATIMA verbiage and coverage amount. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 9/1/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305212036 | XXX-956 | 9/1/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 9/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305235074 | XXX-964 | 9/1/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Resolved | 9/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 304641856 | XXX-7747 | 3/13/2025 | Credit | Title/Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum insurance required | XX/XX/XXXX: please see attached | XXX: Clear | Cleared | 3/18/2025 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 304493266 | XXX-6962 | 2/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 2/10/2025 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305078099 | XXX-1 | 4/7/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305077923 | XXX | 5/1/2026 | Credit | Credit | Excessive LTV Ratio | 75.00% LTV > XXX% maximum LTV for the Sub1 DSCR program | XXX: Exception Waiver | XXX: Clear | FICO XXX points above min req, Experienced Investor, Value supported, CU score XXX Clean mortgage history, no lates for over XXX monts | Acknowledged | 5/8/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305102826 | XXX-1 | 5/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 5/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305156693 | XXX-1 | 6/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 6/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305172516 | XXX-1 | 7/17/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305102773 | XXX-1 | 7/20/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305133946 | XXX-1 | 7/21/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305120677 | XXX-1 | 7/27/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305156533 | XXX | 7/27/2026 | Credit | Borrower and Mortgage Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required for the Core DSCR program. DSCR calculation breakdown: XXX Market Rent/ XXX PITIA = XXX DSCR | XXX: Receipt of rents uploaded | XXX: Clear | Cleared | 7/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305142428 | XXX-1 | 7/27/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305122627 | XXX-1 | 7/27/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305122626 | XXX-1 | 7/27/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305172604 | XXX-1 | 7/28/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305156439 | XXX-1 | 7/27/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/27/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305194456 | XXX-1 | 7/28/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305156572 | XXX-1 | 7/28/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/28/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305142129 | XXX-1 | 7/29/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305172500 | XXX-1 | 7/29/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 7/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305172474 | XXX-1 | 8/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305197497 | XXX | 8/7/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Title supplement is missing ISAOA after the lender's name. Please provide an update. | XXX: Title Report uploaded | XXX: Clear | Cleared | 8/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305197497 | XXX | 8/7/2026 | Credit | Borrower and Mortgage Eligibility | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX to prove the borrower's ownership interest and ability to use the funds in the XXX acct #XXX | XXX: Rescind, excluding assets | XXX: Clear | Cleared | 8/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305194472 | XXX-1 | 8/10/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305194339 | XXX-1 | 8/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | Cleared | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305194276 | XXX | 8/12/2026 | Credit | Title/Lien | Title Insurance Coverage - XXX Coverage | XXX title insurance coverage < XXX minimum coverage required. Please provide updated title policy or supplemental report. | XXX: Updated Title uploaded | XXX: Clear | Cleared | 8/13/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305201126 | XXX-3 | 8/6/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201223 | XXX-12 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201237 | XXX-14 | 8/11/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201205 | XXX-16 | 8/10/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201125 | XXX-19 | 8/10/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201124 | XXX-20 | 8/10/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201288 | XXX-32 | 8/11/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201198 | XXX-44 | 8/13/2026 | Credit | Credit Documentation | Significant Derogatory Credit Event – Requirement Not Met | Background check reflects a XXX conviction dated XX/XX/XXXX for XXX. Guidelines require approval by XXX for any XXX within the last XXX years involving fraud, embezzlement, or other similar crimes | XX/XX/XXXX: Attached LOX | XXX: Clear | Cleared | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305201145 | XXX-69 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201230 | XXX-71 | 8/11/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201127 | XXX-84 | 8/14/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201265 | XXX-88 | 8/13/2026 | Property | Credit Eligibility | Subject Property Lease - Missing or Defective | Subject property: XXX is a Single family vacant refinance. Per guidelines, Single family properties must be leased at time of closing. | XX/XX/XXXX: Subject property is coming out of recent XXX budget is already in loan files and borrower has Good credit/liquidity/loan history with us/DSCR | XXX: Clear | Cleared | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305201268 | XXX-98 | 8/10/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201154 | XXX-115 | 8/13/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201180 | XXX-118 | 8/17/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201274 | XXX-126 | 8/19/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201186 | XXX-128 | 8/19/2026 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201271 | XXX-138 | 8/11/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201232 | XXX-141 | 8/11/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201195 | XXX-142 | 8/12/2026 | Credit | Title or Lien | Title Insurance Coverage - XXX Coverage | XXX Title coverage < XXX Coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Clear | XXX, FICO XXX DSCR XX/XX/XXXX | Acknowledged | 8/12/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305201147 | XXX-143 | 8/26/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305201155 | XXX-147 | 8/19/2026 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing Personal guaranty document for guarantor: XXX. | XX/XX/XXXX: Attached | XXX: Clear | Cleared | 8/31/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305201155 | XXX-148 | 8/19/2026 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing Closing Disclosure (HUD) for subject property: XXX. | XX/XX/XXXX: Attached | XXX: Clear | Cleared | 8/31/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305201174 | XXX-149 | 8/26/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232765 | XXX | 8/18/2026 | Credit | Credit Documentation | Credit Report Aged | Credit report dated XX/XX/XXXX is aged XXX days. Per guides, credit documentation must be within XXX days of the XXX | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, Experienced Investor, XX/XX/XXXX DSCR | Acknowledged | 8/20/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232765 | XXX | 8/18/2026 | Property | Appraisal Data Integrity | Appraisal Missing or Defective | Appraisal General Description reflects subject property as having XXX units while Appraisal Subject Rent Schedule reflects XXX units. Please provide a corrected appraisal | XX/XX/XXXX Revised Appraisal uploaded | XXX: Clear | Cleared | 8/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305232765 | XXX | 8/18/2026 | Property | Appraisal Documentation | Appraisal Aged | Appraisal aged XXX days. Per guides, Appraisal must be within XXX days of the XXX | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, Experienced Investor, XX/XX/XXXX DSCR | Acknowledged | 8/20/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232766 | XXX | 8/18/2026 | Credit | Credit Documentation | Missing, XXX, or Incomplete Project Document | Missing Tax Cert for subject property: XXX. Property Tax Abatements in file are not for the subject property | XX/XX/XXXX: Parcel split LOE and Tax estimate uploaded | XXX: Clear | Cleared | 8/20/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305232766 | XXX | 8/18/2026 | Credit | Credit Documentation | Credit Report Aged | Credit Report dated XX/XX/XXXX is aged XXX days. Per guides, credit documentation must be within XXX days of the XXX | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, Experienced Investor, XX/XX/XXXX DSCR | Acknowledged | 8/20/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305106526 | XXX | 5/14/2026 | Credit | LTV/ARLTV | Excessive LTV Ratio | XXX% > XXX% max allowed LTV, FICO XXX+, DSCR XXX-XXX, Refinance Cash-Out | XX/XX/XXXX: exception | XXX: Clear | FICO XXX, XXX months reserves | Acknowledged | 5/14/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305106524 | XXX | 3/26/2026 | Credit | LTV/ARLTV | Excessive LTV Ratio | XXX% > XXX% max allowed LTV, FICO XXX+, DSCR XXX-XXX, Refinance Cash-Out | XX/XX/XXXX: exception | XXX: Clear | FICO XXX, XXX months reserves | Acknowledged | 3/30/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305106518 | XXX | 3/26/2026 | Credit | LTV/ARLTV | Excessive LTV Ratio | XXX% > XXX% max allowed LTV, FICO XXX+, DSCR XXX-XXX, Refinance Cash-Out | XX/XX/XXXX: exception | XXX: Clear | FICO XXX, XXX months reserves | Acknowledged | 3/30/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305106518 | XXX | 5/4/2026 | Property | Ineligible Property | Ineligible Property | Appraiser reflects subject property XXX as vacant with no recent rehab. Per guides, vacant refinances are ineligible. | XX/XX/XXXX: Exception | XXX: Clear | FICO XXX, XXX months reserves | Acknowledged | 5/8/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232768 | XXX | 4/7/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232769 | XXX | 4/7/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 4/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232770 | XXX | 4/8/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 4/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232763 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232760 | XXX | 8/18/2026 | Property | Appraisal Review | Appraisal Review - Missing | Missing Appraisal Review for Appraisal dated XX/XX/XXXX | XX/XX/XXXX: CDA uploaded | XXX: Clear | Cleared | 8/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305232762 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232758 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232759 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232746 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232750 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232760 | XXX | 8/18/2026 | Credit | General Eligibility | Note Missing or Defective | Per Secured Note in file, the subject loan is a XXX Year Interest Only for XXX months with a Balloon Payment. Per DSCR Program Matrix, this is no an eligible loan type | XXX: Corrected and signed Note uploaded | XXX: Clear | Cleared | 9/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305232751 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232753 | XXX | 8/19/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, he now subject to this requirement despite his XXX% entity ownership | XX/XX/XXXX: Waived via email | XXX: Clear | FICO XXX XX/XX/XXXX DSCR, Clear MTG history | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305191794 | XXX | 8/19/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, he now subject to this requirement despite his XXX% entity ownership | XX/XX/XXXX: Waived via email | XXX: Clear | FICO XXX XX/XX/XXXX DSCR, Clear MTG history | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232761 | XXX | 8/18/2026 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effectve on or before the date of disbursement. | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, LTV 5% below max | Acknowledged | 8/20/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232752 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232757 | XXX | 8/18/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232755 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232754 | XXX | 6/30/2026 | Property | Appraisal Review | Desk Review Variance > XXX% | Appraisal Review variance of XXX% < XXX% tolerance per guides. Please provide additional valuation report to support the origination appraisal | XX/XX/XXXX: Uploaded BPO but using structuring loan around CDA value of XXX | XXX: Clear | Experienced Investor, XX/XX/XXXX DSCR, XXX MTG history | Acknowledged | 6/30/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232813 | XXX | 6/29/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report and Background Check for XXX, an owner of layered entity XXX | XX/XX/XXXX: Waiver in file | XXX: Clear | Experienced Investor, DSCR > XXX Clean housing history XXX | Acknowledged | 6/29/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305232748 | XXX | 6/29/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report and Background Check for XXX, an owner of layered entity XXX | XX/XX/XXXX: Waiver in file | XXX: Clear | Experienced Investor, DSCR > XXX Clean housing history XXX | Acknowledged | 6/29/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305232812 | XXX | 6/29/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report and Background Check for XXX, an owner of layered entity XXX | XX/XX/XXXX: Waiver in file | XXX: Clear | Experienced Investor, DSCR > XXX Clean housing history XXX | Acknowledged | 6/29/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305232745 | XXX | 6/29/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report and Background Check for XXX, an owner of layered entity XXX | XX/XX/XXXX: Waiver in file | XXX: Clear | Experienced Investor, DSCR > XXX Clean housing history XXX | Acknowledged | 6/29/2026 | B | B | B | B | B | B | B | B | B | B | B | B | |
| XXX | XXXXX | 305232754 | XXX | 8/19/2026 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing Asset Documentation for Closing Costs and Reserves | XX/XX/XXXX: Uploaded assets just outside of XXX. Client waiving aged asset documentation | XXX: Clear | LTV 5% less than max, XXX FICO, XXX years Housing History | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232742 | XXX | 8/19/2026 | Credit | LTV/ARLTV | Excessive LTV Ratio | 71.10% LTV > XXX% Max LTV for Refinance qualifying with STR income | XX/XX/XXXX: Waived via email | XXX: Clear | XXX Total Reserves, XXX Years housing history, XXX FICO | Acknowledged | 8/20/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232756 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232743 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232740 | XXX | 8/19/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/19/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232764 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232744 | XXX | 8/18/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XXX: Clear | Cleared | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232747 | XXX | 8/19/2026 | Credit | Borrower Requirements Not Met | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, he now subject to this requirement despite his XXX% entity ownership | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, XXX months reserves | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232749 | XXX | 7/15/2026 | Credit | Application/Processing | Credit Report Missing or Defective | Missing Credit Report for XXX. Loan Application shows XXX is a guarantor | XX/XX/XXXX: Waived via email | XXX: Clear | Primary Guarantor FICO XXX DSCR XXX Experienced Investor | Acknowledged | 7/15/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232747 | XXX | 8/19/2026 | Credit | Borrower Requirements Not Met | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, he now subject to this requirement despite his XXX% entity ownership | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, XXX months reserves | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232767 | XXX | 8/19/2026 | Property | Appraisal Documentation | Appraisal Aged | Appraisal aged XXX days from XXX | XX/XX/XXXX: Waiver via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, 55.28% LTV | Acknowledged | 8/21/2026 | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232767 | XXX | 8/19/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, she now subject to this requirement | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, 55.28% LTV | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305232739 | XXX | 8/19/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, she now subject to this requirement | XX/XX/XXXX: Waived via email | XXX: Clear | FICO XXX XX/XX/XXXX DSCR, 57.77% LTV | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305241215 | XXX | 8/6/2026 | Credit | Credit Documentation | Background Check Missing or Defective | Missing Background Check for XXX, an owner of layered entity XXX | XX/XX/XXXX: Waiver in file | XXX: Clear | Experienced Investor, DSCR > XXX Clean housing history XXX | Acknowledged | 8/6/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305241213 | XXX | 8/19/2026 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, she is now subject to this requirement despite her XXX% entity ownership | XX/XX/XXXX: Waived via email | XXX: Clear | XXX FICO, XX/XX/XXXX DSCR, Clean MTG history | Acknowledged | 8/20/2026 | D | B | D | B | D | B | D | B | D | B | D | B | |
| XXX | XXXXX | 305191817 | FCRE1206 | 5/28/2026 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The settlement agent (XXX) has not been checked against the exclusionary lists. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/28/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305191817 | FCOM8997 | 5/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191817 | FPRO8998 | 5/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191817 | FCRE3000 | 5/22/2026 | Credit | Eligibility | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines XXX Non-QM Program Guidelines require documented experience owning or managing income-producing XXX properties and short-term rental history from XXX sources such as XXX, XXX, XXX for a refinance transaction. Internal correspondence confirms that an exception was approved to use the two short-term lease agreements in place of documentation from XXX sources to satisfy both requirements. The exception was supported by compensation factors, including reserves (cash out from the loan) and Credit Score. Based on the approved exception, the investor experience and short-term rental documentation requirements are considered satisfied. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | B | B | B | B | B | B | B | B | B | B | B | B | |||
| XXX | XXXXX | 305102496 | FCRE7497 | 6/30/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation for HOA dues on REO: XXX, or an executed LOE stating there are no HOA dues on the property. | please advise what figures are not matching because the XXX pulls directly from the information on the 1003.; Document Uploaded. attached is HOA dues of XXX updated XXX/1003 | XXX: Clear | 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. | Resolved | 6/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102496 | FPRO9990 | 6/17/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. attached | XXX: Clear | 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. | Resolved | 6/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305102496 | FCOM8997 | 6/11/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 6/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305176833 | FCRE1440 | 6/29/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. Lease Agreement, XXX-XXX, reflects a monthly rent of, $XXX. The XXX transaction history indicates XXX payments to the landlord, XXX, for XXX and XXX a total of, $XXX. Guidelines require a situation causing delinquency be XXX documented. Documentation validating the situation causing the delinquency has been resolved, or, evidence of a paid as agreed XXX month rental history is required. | Document Uploaded. | XXX: Clear | 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% | Resolved | 6/29/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305176833 | FPRO8998 | 6/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 6/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305176833 | FCOM8997 | 6/22/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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% | Resolved | 6/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305176839 | FCRE2008 | 7/2/2026 | Credit | Insurance | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing sufficient rent loss covering XXX months or XXX Using XXX for short term rents calculation $XXX/m x XXX = XXX | Document Uploaded. Updated EOI and updated UW Docs | XXX: Clear | Resolved | 7/2/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305176839 | FCOM8997 | 6/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 6/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305176839 | FPRO8998 | 6/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 6/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305157892 | FCRE1437 | 7/15/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. XXX Lender Worksheet Missing XXX B2 is wage earner XXX must but it was missing XXX Property #XXX and XXX monthly rental given but SCH E or lease agreement missing hence updated as per lender and cited condition for source documents | Document Uploaded. | XXX: Clear | 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. | Resolved | 7/15/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305157892 | FCOM5135 | 7/8/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure | Document Uploaded. | XXX: Clear | 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. | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305157892 | finding-3352 | 6/26/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | XXX: Clear | 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. | Resolved | 6/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157892 | FPRO8998 | 6/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 6/26/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232790 | FCOM1266 | 7/9/2026 | Compliance | Missing Doc | 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, XX/XX/XXXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232790 | FCOM3608 | 7/9/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232790 | FCOM5135 | 7/9/2026 | Compliance | Missing Doc | 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 or made no referral of business to affiliates. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232790 | FCOM2298 | 7/9/2026 | Compliance | Missing Doc | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Documentation required to clear exception: Please provide the XXX XXX(a)(XXX) Notice for Home Equity Disclosure within three business days of the loan application, XX/XX/XXXX, and at least XXX days before consummation, XX/XX/XXXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232790 | FCOM1231 | 7/6/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing. Please provide the initial 1003. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232790 | FPRO8998 | 7/1/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.24% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.24% is less than Guideline LTV of 80% | Resolved | 7/1/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232792 | FCRE1437 | 7/23/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Unable to locate income documentation in file used to calculate income. File contains CPA letter, verification of CPA license, business narrative, and business license. Guidelines require CPA letter along with XX/XX/XXXX month bank Statements or P&L. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232792 | FPRO9990 | 7/8/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Unable to locate UCDP in file as required. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232792 | finding-3532 | 7/8/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XX/XX/XXXX. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232792 | FCOM3849 | 7/8/2026 | Compliance | Disclosure | 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 XXX(a)(XXX)). 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: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232792 | FCOM9186 | 7/8/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. E-consent is missing from file. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232792 | FCOM1266 | 7/8/2026 | Compliance | Missing Doc | 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. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232792 | FCOM3608 | 7/8/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232792 | FCOM5135 | 7/8/2026 | Compliance | Missing Doc | 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 or made no referral of business to affiliates. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232792 | FCOM1231 | 7/6/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing. Initial 1003 was not provided in file as required. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232792 | FPRO1242 | 7/6/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Unable to locate in file. Guidelines require XXX Condo appraisal within XXX days of the XXX. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232792 | FCOM1252 | 7/6/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate 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: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/6/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305142119 | FCRE1193 | 7/27/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender XXX reflects the loan was approved with a DTI of XXX% the maximum DTI for the Select Non QM loan program is XXX% | Document Uploaded. ; Document Uploaded. | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305142119 | FCRE7497 | 7/17/2026 | Credit | Missing Doc | 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 documentation for HOA dues, or an executed LOE stating there are no HOA dues on the REO reflected on the Final 1003: XXX. | Document Uploaded. | XXX: Clear | 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% | Resolved | 7/17/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305142119 | FPRO8998 | 7/2/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% | Resolved | 7/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305142119 | FCOM8997 | 7/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% | Resolved | 7/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191495 | FCRE8999 | 7/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191495 | FPRO8998 | 7/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191495 | FCOM8997 | 7/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191486 | FCOM1232 | 7/9/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing. Missing Final 1003 for Borrower 1, Borrower 2, and Borrower XXX | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305191486 | FCOM8997 | 7/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191486 | FPRO8998 | 7/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191417 | FCOM8997 | 7/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191417 | FCRE8999 | 7/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191417 | FPRO8998 | 7/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191414 | FCRE8999 | 7/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191414 | FPRO8998 | 7/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191414 | FCOM8997 | 7/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191413 | FCRE8999 | 7/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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% | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191413 | FPRO8998 | 7/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191413 | FCOM8997 | 7/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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% | Resolved | 7/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191480 | FCOM8997 | 7/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191480 | FCRE8999 | 7/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191480 | FPRO8998 | 7/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191470 | FCRE8999 | 7/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.99% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191470 | FPRO8998 | 7/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.99% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191470 | FCOM8997 | 7/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.99% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.99% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191462 | FPRO8998 | 7/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191462 | FCRE8999 | 7/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191462 | FCOM8997 | 7/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/8/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191443 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191443 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191443 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191441 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191441 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191441 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191440 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191440 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191440 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191431 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191431 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191431 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191513 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191513 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191513 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191512 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191512 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191512 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191498 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191498 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191498 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191488 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.75% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.75% is less than Guideline LTV of 80% | 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. | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191488 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.75% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.75% is less than Guideline LTV of 80% | 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. | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191488 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.75% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.75% is less than Guideline LTV of 80% | 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. | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191478 | FCRE8999 | 7/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191478 | FCOM8997 | 7/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191478 | FPRO8998 | 7/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 7/9/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191477 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191477 | FPRO8998 | 7/13/2026 | Property | Data | 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. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191477 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191455 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191455 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191455 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191446 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191446 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191446 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191423 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191423 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191423 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191422 | FCOM1221 | 7/14/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete. Page XXX missing from Deed of Trust | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305191422 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191422 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191420 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191420 | finding-3352 | 7/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | XXX: Clear | 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% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191420 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191411 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191411 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191411 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191435 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191435 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191435 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305172477 | FCRE2800 | 7/23/2026 | Credit | Assets | Verified Liquid Assets Insufficient For Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Please provide additional assets to cover the closing cost of XXX and three months reserves. | Document Uploaded. | XXX: Clear | 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 | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305172477 | FCRE1198 | 7/23/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Please provide additional assets for required reserves of five months or $XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305172477 | FCRE9995 | 7/23/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Please provide additional assets for required reserves of $XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305172477 | FCRE7497 | 7/18/2026 | Credit | Missing Doc | 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 verification of any Homeowner's Association Due associated with the Borrower's property located at XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 7/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305172477 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | This transaction meets the Business Purpose criteria and is classified as Rate and Term Refinance secured by an Investment Property. As such it is exempt from TRID and Qualified Mortgage (QM) requirements. The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305172477 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191568 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.42% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191568 | FPRO8998 | 7/13/2026 | Property | Data | 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. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.42% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191568 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.42% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.42% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191472 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191472 | FPRO8998 | 7/13/2026 | Property | Data | 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. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191461 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191461 | FPRO8998 | 7/14/2026 | Property | Data | 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. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191461 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191450 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191450 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191450 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191436 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191436 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191430 | FCOM8997 | 7/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 80% is less than Guideline LTV of 90% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191430 | FCRE8999 | 7/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 80% is less than Guideline LTV of 90% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191430 | FPRO8998 | 7/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | 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 80% is less than Guideline LTV of 90% | Resolved | 7/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191409 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191409 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191409 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232806 | FCRE1479 | 7/28/2026 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The joint account used for closing funds and reserves is held with a non-borrower. The XXX Non-QM Program Guidelines, require an access letter to establish the Borrower’s full access to the funds. The loan file includes a letter identifying the joint account holder as the fiancée; however, an access letter is not present in the file. Please provide a signed letter from the joint account holder that grants the Borrower 1 XXX% access to the funds for the subject transaction. | Access letters are only required for business accounts or if the loan is a XXX-month bank Statement or P&L product. Tati will investigate the addendum for you. | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305232806 | FCRE9785 | 7/28/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete. The XXX of XXX on the final Closing Disclosure does not match the purchase contract’s XXX of XXX The loan file does not include an addendum documenting the revised XXX. Please provide a fully executed addendum to purchase contract that reflects the final XXX. | Document Uploaded. | XXX: Clear | 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. | Resolved | 7/28/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232806 | FCOM1621 | 7/27/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | Document Uploaded. | XXX: Clear | 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. | Resolved | 7/27/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232806 | FPRO8998 | 7/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232787 | FPRO8998 | 7/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232787 | FCRE8999 | 7/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/22/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232799 | finding-3634 | 8/19/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the points-loan discount ,$XXX to XXX for the appraisal re-inspection fee and XXX to XXX for the appraisal desk review. (Missing COC's for increase in discount points on LE XX/XX/XXXX and Le XX/XX/XXXX) The loan discount fees increased on the Final CD XX/XX/XXXX but the ICD is missing so unable to determine when the fee increased. Provide a COC dated within XXX business days of the change and ICD to determine if the fee was disclosed timely. The appraisal re-inspection was added to Final CD XX/XX/XXXX but the ICD is missing so unable to determine when the fee increased. Provide a COC dated within XXX business days of the change and ICD to determine if the fee was disclosed timely. The Appraisal Desk review was added to Final CD XX/XX/XXXX but the desk review provided is dated XX/XX/XXXX so this is out of tolerance. | Document Uploaded. ; Document Uploaded. The final CD include a Lender cure credit of XXX which included the increase to the appraisal ($XXX cure credit) and the appraisal desk review ($XXX cure credit). The loan discount points increased on the XX/XX/XXXX CD, and this was disclosed via COC due to loan lock pricing change – the lock had expired on XX/XX/XXXX and was relocked on this day, which caused the pricing change. See COC for this change. We have also provided the XX/XX/XXXX borrower signed ICD. ; Document Uploaded. ; Document Uploaded. Change of Circumstances uploaded; Document Uploaded. Loan Estimate uploaded to show fees were properly disclosed | XXX: Clear | 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 46.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.7% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232799 | FPRO1242 | 7/23/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Missing required full appraisal. | Document Uploaded. | XXX: Clear | 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 46.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.7% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232799 | FCRE1182 | 7/23/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing loan approval and/or XXX | Document Uploaded. | XXX: Clear | 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 46.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.7% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232799 | finding-3532 | 7/22/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XX/XX/XXXX | Initial CD attached showing Initial CD was disclosed within guidelines | XXX: Clear | 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 46.7% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.7% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/22/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232786 | FCRE8999 | 8/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232786 | FPRO8998 | 8/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232786 | FCOM8997 | 8/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232783 | FCRE1197 | 7/29/2026 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Per XXX Non-QM Program Guidelines, a minimum credit score of XXX is required when escrows are waived. The lowest middle score among the two Borrowers is XXX which is below the required threshold. A Lender exception was granted based on the following compensating factors: 75% LTV, Co-Borrower’s middle FICO is XXX and Borrower is a seasoned investors with over XXX investment properties. | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||||
| XXX | XXXXX | 305232783 | FCRE0377 | 7/28/2026 | Credit | Data | 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). The hazard insurance policy does not meet minimum coverage requirements. Per XXX Non-QM Program Guidelines, coverage must equal XXX% of the replacement cost value of the improvements, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value. The replacement cost calculated value is XXX and XXX% of that amount is $XXX. The subject XXX of XXX is below this threshold and cannot be used to satisfy minimum coverage. As a result, the required coverage is XXX and the policy dwelling coverage of XXX is insufficient. | Document Uploaded. ; Dec page shows replacement cost coverage with no limit. | XXX: Clear | Resolved | 7/28/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305232783 | FPRO1242 | 7/22/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Missing required full appraisal, including a form 1007. | Document Uploaded. | XXX: Clear | Resolved | 7/22/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305232783 | FCOM8997 | 7/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232814 | FCRE9785 | 7/27/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete. The purchase contract includes signatures from both the Borrowers and Seller; however, none of the pages were initialed by the Seller. Additionally, the required addendums were executed by the Borrowers only, with no Seller signatures present. Please provide fully executed contract pages and addendums. | Document Uploaded. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 7/27/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232814 | FCRE1254 | 7/27/2026 | Credit | Title | Property Title Issue | Property Title Issue. Schedule C reflects multiple City/Town of XXX liens recorded against the prior owner. Please provide either written confirmation from the title company that these liens were satisfied or the final title policy showing clear title. | Document Uploaded. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 7/27/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232814 | FCOM1252 | 7/23/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate 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: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 7/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232814 | FCOM1268 | 7/23/2026 | Compliance | Missing Doc | ARM Disclosure is Missing | ARM Disclosure is Missing. Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The ARM disclosure is missing. Please provided evidence disclosure was issued within XXX days of application date of XX/XX/XXXX. | Document Uploaded. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 7/23/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232814 | FPRO8998 | 7/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 7/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232805 | finding-3635 | 8/10/2026 | Compliance | TRID Tolerance | 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 n 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). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee. Tolerance cure on the final CD dated XX/XX/XXXX for XXX was sufficient to cure the Credit Report Fee increase. | Document Uploaded. ; Document Uploaded. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.36% is less than Guideline CLTV of 90% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232805 | FPRO8998 | 7/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.36% is less than Guideline CLTV of 90% | Resolved | 7/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232805 | FCRE8999 | 7/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.36% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.36% is less than Guideline CLTV of 90% | Resolved | 7/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232800 | FCRE1194 | 7/24/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% Per XXX Non-QM Program Matrix, the maximum LTV for First-Time Investors is XXX% and the subject LTV is 80%, exceeding the maximum permitted. | Document Uploaded. See attached exception approval | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232800 | FCRE1206 | 7/24/2026 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Borrower’s XXX (XXX) was not checked against the exclusionary lists. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232800 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232800 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232785 | FCRE4165 | 8/20/2026 | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Per XXX Non-QM Program Guidelines, any embayment gap exceeding thirty XXX days in the last twelve XXX months requires a written explanation. The Co-Borrower had an employment gap from XX/XX/XXXX to XX/XX/XXXX. No letter of explanation is present in the file. Please provide a letter of explanation from the Co-Borrower. | Document Uploaded. ; Note from UW: Per 1003 borrower moved from XXX. Do we need an LOE for that gap? | XXX: Clear | 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% | Resolved | 8/20/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232785 | FCRE4104 | 8/18/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The loan file does not include documentation supporting the XXX increase in the XXX account ending in #XXX balance between the XXX report dated XX/XX/XXXX, which shows a balance of XXX and the bank account summary dated XX/XX/XXXX, which shows a balance of $XXX. The loan file includes a wire showing this same account was used for funds to close. Please provide documentation showing the funds deposited into the account are from XXX source. | Document Uploaded. Note from UW: they’ve provided full documentation for the actual funds used toward the purchase, but there’s a large deposit that wasn’t included. Is this potentially sufficient to document the gift/closing funds? Here are the notes: • Transaction history for the XXX XXX account, through XX/XX/XXXX is attached o The XXX asset report in the file (dated XX/XX/XXXX) showed a balance of XXX o There were two wires deposited into this account, one for $XXX, which was used for the down payment, and another for $XXX which was not • Executed gift letter, reflecting the $XXX gift from B2’s father is attached • Wire documentation (XXX pages) is attached o This is in XXX and XXX • The final settlement Statement (that is in the file) shows the wire for closing funds was XXX • Aside from the documented $XXX gift the transaction history for the XXX XXX account shows only two other large deposits (deposits over XXX% of the qualifying income) o $XXX on XX/XX/XXXX – this was also from B2’s father, but as noted above, this wasn’t used for the purchase o $XXX on XX/XX/XXXX – this was a transfer from the XXX account that was subsequently transferred back on XX/XX/XXXX. I don’t necessarily think this should be backed out since we can clearly see what it was but even if we do, it should still be ok. To the original point/question above, they sent roughly $XXX to closing and we have documented $XXX. (or $XXX) ; Note from UW: There aren’t any large deposits on this transaction history.. The doc only shows the rent payments. It’s not a Statement and doesn’t show other transactions. Basically, although it shows a higher “available balance” it doesn’t reflect any deposits. The transactions it shows are just payments. | XXX: Clear | 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% | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232785 | FCRE1347 | 7/27/2026 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Per XXX Non-QM Program Guidelines, a Verbal Verifications of Employment (VVOE) must be completed within ten XXX calendar days of the closing date. A third-party employment verification via XXX is dated XX/XX/XXXX, which is outside the required timeframe. Please provide a XXX-day VVOE for the Co-Borrower. | Document Uploaded. | XXX: Clear | 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% | Resolved | 7/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232785 | finding-3532 | 7/23/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XX/XX/XXXX. | Document Uploaded. Initial CD disclosed on XX/XX/XXXX attached | XXX: Clear | 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% | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232785 | FPRO8998 | 7/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232784 | FCRE0377 | 7/27/2026 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | Please provide the RCE for this property. Exception remains. | Insurance shows XXX% replacement cost | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305232784 | FCRE1157 | 7/27/2026 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. Provide evidence of hazard insurance with sufficient coverage. | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/27/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232784 | FCRE1145 | 7/24/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing. Title document not present in the file. | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232784 | FCRE1148 | 7/24/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232784 | FCOM1231 | 7/24/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing. Missing initial loan application. | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232784 | FCRE1347 | 7/24/2026 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Per XXX Non-QM Program Guidelines, a Verbal Verifications of Employment (VVOE) must be completed within ten XXX calendar days of the closing date. A third-party employment verification is dated XX/XX/XXXX, which is outside the required timeframe. Please provide a XXX-day VVOE for the Co-Borrower. | Document Uploaded. ; VVOE not required for program | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232784 | FCOM1232 | 7/24/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing. Missing singed final loan application. | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232784 | finding-3532 | 7/24/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. Uploaded initial CD dated XXX days before closing | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232784 | FCOM1266 | 7/24/2026 | Compliance | Missing Doc | 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, XX/XX/XXXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232784 | FCOM1621 | 7/24/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the IEAD. | Document Uploaded. ; Document Uploaded. Escrows waived. Escrow waiver provided. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232784 | FCRE1491 | 7/23/2026 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Borrowers received gift funds in the amount of XXX at closing. Please provide a gift letter and evidence that the donor gave the closing agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/23/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232784 | FPRO8998 | 7/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.85% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.85% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191500 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191500 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191500 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191444 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191444 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191444 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305191403 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.46% is less than Guideline LTV of 75% | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191403 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.46% is less than Guideline LTV of 75% | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191403 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.46% is less than Guideline LTV of 75% | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191399 | FCOM8997 | 7/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191399 | FCRE8999 | 7/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191399 | FPRO8998 | 7/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156539 | FCRE9995 | 7/21/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Please provide asset verification documentation for additional assets. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72% is less than Guideline CLTV of 90% | 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. | Resolved | 7/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305156539 | FCRE1198 | 7/21/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Month reserves required for additional financed property based on subject PITIA. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Please provide asset verification documentation for additional assets. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72% is less than Guideline CLTV of 90% | 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. | Resolved | 7/21/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305156539 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72% is less than Guideline CLTV of 90% | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156539 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 72% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72% is less than Guideline CLTV of 90% | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157828 | finding-2978 | 7/16/2026 | Compliance | Points & Fees | XXX CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | XXX: Clear | 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. | Resolved | 7/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157828 | finding-3352 | 7/16/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a XXX | XXX: Clear | 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. | Resolved | 7/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157828 | FPRO8998 | 7/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157828 | FCRE8999 | 7/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191499 | FCRE3000 | 7/15/2026 | Credit | Eligibility | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines. First Time Investors that meet all program requirements are permitted without any restrictions. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| XXX | XXXXX | 305191499 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191499 | FPRO8998 | 7/15/2026 | Property | Data | 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. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191499 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191496 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191496 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191496 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191426 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191426 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191426 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191404 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191404 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191404 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191402 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191402 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191402 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191400 | FCRE8999 | 7/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191400 | FPRO8998 | 7/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305191400 | FCOM8997 | 7/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/15/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156429 | FCRE9992 | 7/24/2026 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Per Lender's guidelines, XXX% gift funds allowed with a 10% LTV reductions from max LTV allowed. Max LTV allowed for subject loan transaction is XXX% there was no LTV reduction at origination. When there is no LTV reduction a min of XXX% of the buyer's own funds are required. The borrower made an earnest money deposit of XXX with gift funds of XXX | Per the Core Non-QM LTV matrix, the maximum purchase LTV for a XXX of XXX and representative credit score of XXX is XXX% The guideline permits XXX% gift funds with a XXX% reduction from the maximum allowable LTV. Applying the required reduction results in a maximum allowable LTV of 80% (XXX% - XXX%). The subject loan originated at 80% LTV and therefore complies with the gift-funds requirement despite the borrower not contributing the minimum XXX% own funds. | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305156429 | FPRO0951 | 7/21/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. Please provide. | Document Uploaded. | XXX: Clear | 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. | Resolved | 7/21/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305156429 | finding-3352 | 7/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | 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. | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305172780 | finding-2962 | 8/5/2026 | Compliance | Points & Fees | XXX 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305172780 | finding-3652 | 8/5/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 n 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). TILA 130b Cure 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. | Document Uploaded. attached | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/5/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305172780 | finding-3634 | 8/5/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure 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 Zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the Final CD. | Document Uploaded. attached | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/5/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305172780 | finding-3352 | 8/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305172780 | FCRE7497 | 7/31/2026 | Credit | Missing Doc | 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 documentation for HOA dues or and executed LOE stating there are no HOA dues on the REO reflected on the Final 1003: XXX. | Document Uploaded. No HOA, loe attached | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/31/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305172780 | FPRO8998 | 7/17/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156499 | FCRE1195 | 7/29/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% Max LTV is 85% as the borrower is a XXX borrower. | Updated exception; Document Uploaded. exception attached. | XXX: Clear | 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 | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305156499 | FCRE1196 | 7/29/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Max LTV is 85% as the borrower is a XXX borrower. | Document Uploaded. updated exception; Document Uploaded. exception attached | XXX: Clear | 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 | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305156499 | FCRE1194 | 7/29/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% Max LTV is 85% as the borrower is a XXX borrower. | Document Uploaded. updated exception; Document Uploaded. exception from management in file and attached. | XXX: Clear | 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 | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305156499 | finding-3352 | 7/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | XXX: Clear | 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 | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156499 | FPRO8998 | 7/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156331 | FCOM8997 | 7/17/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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. | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156331 | FCRE8999 | 7/17/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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. | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156331 | FPRO8998 | 7/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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. | Resolved | 7/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232807 | FCRE8999 | 7/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232807 | FCOM8997 | 7/24/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232807 | FPRO8998 | 7/24/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232779 | FPRO9990 | 8/31/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX's Appraisal Team disagrees with the finding, please review: The CDA provided has a XXX% variance from the appraised value. The UCDP SSR from XXX doesn’t State the property is not eligible. It States the form type the appraisal is completed on is not eligible for rep and warrant relief. This has nothing to do with the eligibility of the property. No score is ever given on appraisals completed on non-UAD forms (Small Residential Income Property Appraisal Report and Manufactured Home Appraisal Report). ; UW response: Appraisal is Small Residential Income Property and there will not be scores on the SSR's since this is a non-UAD form type. The SSR’s are successful; Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232779 | FPRO1242 | 8/31/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232779 | FCOM8997 | 7/24/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232779 | FCRE8999 | 7/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232777 | FCRE8999 | 7/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232777 | FPRO8998 | 7/24/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232776 | FCRE8999 | 7/24/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232776 | FPRO8998 | 7/24/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156434 | FCRE8999 | 7/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.78% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.78% is less than Guideline LTV of 80% | Resolved | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156434 | FPRO8998 | 7/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.78% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.78% is less than Guideline LTV of 80% | Resolved | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305156434 | FCOM8997 | 7/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.78% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.78% is less than Guideline LTV of 80% | Resolved | 7/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194430 | FCRE7497 | 7/24/2026 | Credit | Missing Doc | 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 documentation for HOA dues, or an executed LOE stating there are no HOA dues on the REO’s reflected on the Final 1003: XXX. | Document Uploaded. Please see attached Property Profiles. They are both SFR. No HOA | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/24/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305194430 | finding-2962 | 7/23/2026 | Compliance | Points & Fees | XXX 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194430 | finding-3352 | 7/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | C | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194430 | FPRO8998 | 7/23/2026 | Property | Data | 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. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194408 | FCRE3472 | 7/29/2026 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Overdraft Count exceeds the tolerance | Document Uploaded. According to guides a satisfactory explanation from borrower is sufficient. LOE in file | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305194408 | finding-3352 | 7/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No cure required- HPML with established escrows and appraisal requirement met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194408 | FPRO8998 | 7/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194498 | finding-3652 | 8/12/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 n 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). TILA 130b Cure 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 CD dated XX/XX/XXXX without valid COC. Final CD and settlement Statement shows XXX of appraisal fee paid by other, but neither document verifies who paid XXX of the appraisal fee. | Document Uploaded. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305194498 | FCRE7497 | 8/5/2026 | Credit | Missing Doc | 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. For property located at XXX, the loan file did not contain HOI monthly payment document. Please provide. Missing documentation for HOA dues or an executed LOE stating there are no HOA dues on the property for REOs: XXX. | Document Uploaded. See pages XXX & XXX for LOX on HOA; Document Uploaded. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305194498 | FPRO8998 | 7/23/2026 | Property | Data | 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. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/23/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157797 | FCOM5135 | 8/5/2026 | Compliance | Missing Doc | 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 or made no referral of business to affiliates. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 85% | 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. | Resolved | 8/5/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305157797 | finding-3352 | 7/30/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to an A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 85% | 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. | Resolved | 7/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157797 | FCRE8999 | 7/30/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 85% | 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. | Resolved | 7/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157797 | FPRO8998 | 7/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 85% | 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. | Resolved | 7/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102546 | FCRE7497 | 8/5/2026 | Credit | Missing Doc | 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 documentation for HOA dues or and executed LOE stating there are no HOA dues on the REO reflected on the Final 1003: XXX and tax information and XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102546 | FCRE2109 | 8/5/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The Lender income worksheet was not found in the loan file. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/5/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305102546 | FCOM8997 | 7/31/2026 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a cash out refinance of Investment Property. Transaction is exempt from TRID/QM. According to the BP letter on page XXX no part of the proceeds of the loan will be used for consumer purpose (no personal use found that was rolled into the loan). The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305102546 | FPRO8998 | 7/31/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 7/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232804 | FCRE1148 | 8/21/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The preliminary title report provided in the loan file does not indicate the proposed amount of title insurance coverage. Please provide a supplemental title report confirming XXX ALTA Lender's Policy coverage. | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 85% | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 85% | Resolved | 8/21/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232804 | FCOM1233 | 8/14/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. The XXX account was utilized to calculate asset depletion income and satisfy reserve requirements; however, the account is not disclosed on the final loan application. As a result, the assets listed on the loan application are inconsistent with the assets used to qualify the Borrower, and without inclusion of the XXX account, the required reserve requirements are not met. Please provide an updated loan application that includes the XXX account #XXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 85% | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 85% | Resolved | 8/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232804 | FCRE1437 | 8/14/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The Lender grossed up the Borrower's child's Social Security income by XXX% based on the full benefit amount; however, the file does not contain the required one-year U. tax return documenting the non-taxable portion of the income as required by program guidelines. Additionally, the Social Security award letter indicates the benefit may be taxable. Please provide the required tax return documentation to support the non-taxable portion of the income used for qualification or recalculate qualifying income using the appropriate gross-up methodology. | Note from UW: Since the SS is on behalf of the child, it is not taxable to the parent, the children do not file taxes, therefore there are no tax returns to provide | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305232804 | FCRE1335 | 8/14/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing. The loan file was qualified using multiple sources of income, including wage income, SSI, and asset depletion income. No IRS W-2 transcripts or IRS XXX tax return transcripts were included in the loan file. Per the Full Documentation Wage Earner requirements, XXX-C W-2 transcripts or IRS XXX tax return transcripts are required. Please provide the required IRS W-2 transcripts or IRS XXX tax return transcripts to support the documented income and satisfy the Full Documentation guideline requirements. | Note from uw: Wage earner income was used to qualify, tax transcripts are not required. | XXX: Clear | Rescinded | D | A | D | A | D | A | D | A | D | A | D | A | |||
| XXX | XXXXX | 305232804 | FCOM9186 | 8/12/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. ; Econsent form is dated XX/XX/XXXX. Intent to proceed dated XX/XX/XXXX. Application date was XX/XX/XXXX, but following day was a federal holiday. The econsent was signed within XXX business days of application. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 85% | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 85% | Resolved | 8/12/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232804 | FPRO8998 | 8/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.55% is less than Guideline CLTV of 85% | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.55% is less than Guideline LTV of 85% | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232772 | FCRE8999 | 8/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232772 | FPRO8998 | 8/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232772 | FCOM8997 | 8/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232771 | FCRE9814 | 8/25/2026 | Credit | Missing Doc | Missing Trust Agreement | Trust Agreement is missing and/or does not meet guideline requirements. Title is vested in an Inter Vivos Revocable Trust; however, the Borrower Eligibility grid for the Non-QM DSCR product does not identify an Inter Vivos Revocable Trust as an eligible Borrower. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232771 | FCRE1148 | 8/25/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provide a revised title commitment with sufficient title insurance coverage, as the proposed amount of XXX is less than the subject XXX of XXX | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/25/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232771 | FCRE7347 | 8/25/2026 | Credit | Missing Doc | Missing Lease Agreement | The DSCR program requires executed lease agreement(s) as rental income evidence. The file contains an unexecuted lease agreement with an original term of XX/XX/XXXX through XX/XX/XXXX that converted to a month-to-month tenancy upon expiration. The file also contains a rent increase notice dated XX/XX/XXXX addressed to the tenant; however, the notice is not an executed lease agreement and does not evidence mutual acceptance of the rental terms. Therefore, the documentation provided does not satisfy the requirement for an executed lease agreement. Please provide an executed lease agreement and documentation supporting the current tenancy terms, including evidence that the tenant remains in occupancy and is paying the Stated rental amount. | Document Uploaded. Please see email confirmation from the Property Management company stating nothing has changed with the tenant and they still occupy the property.. The Statement of rents shows the tenant as the same tenant listed on the lease agreement from May XXX and shows rents received. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232771 | FPRO8998 | 8/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232771 | FCOM8997 | 8/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.65% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.65% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232788 | FCRE1148 | 8/19/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provide a revised title commitment with sufficient title insurance coverage, as the proposed amount of XXX is less than the subject XXX of XXX | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232788 | FCOM1208 | 8/19/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete. Missing Page XXX of the Note | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232788 | FCRE1182 | 8/19/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing loan approval and/or XXX | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232788 | FCRE1198 | 8/19/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Business assets were used for funds to close and reserves. XXX Non-QM Program Guidelines require a letter from the non-borrowing owner acknowledging the transaction and confirming the Borrower's access to the funds and require business assets to be multiplied by the Borrower's ownership percentage to determine the owner's portion of business assets eligible for the transaction. The Borrower owns XXX% of the business per the tax preparer letter in the file; however, XXX% of the business account balance was utilized for the subject transaction. In addition, the required letter from the non-borrowing owner was not provided. Based on the documented ownership interest, only XXX% of the business account balance appears eligible for consideration, resulting in insufficient reserves. Please provide additional eligible assets to satisfy reserve requirements, or a letter from the non-borrowing owner acknowledging the transaction and confirming the Borrower's unrestricted access to XXX% of the funds held in the business account. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232788 | FCRE9995 | 8/19/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Business assets were used for funds to close and reserves. XXX Non-QM Program Guidelines require a letter from the non-borrowing owner acknowledging the transaction and confirming the Borrower's access to the funds and require business assets to be multiplied by the Borrower's ownership percentage to determine the owner's portion of business assets eligible for the transaction. The Borrower owns XXX% of the business per the tax preparer letter in the file; however, XXX% of the business account balance was utilized for the subject transaction. In addition, the required letter from the non-borrowing owner was not provided. Based on the documented ownership interest, only XXX% of the business account balance appears eligible for consideration, resulting in insufficient reserves. Please provide additional eligible assets to satisfy reserve requirements, or a letter from the non-borrowing owner acknowledging the transaction and confirming the Borrower's unrestricted access to XXX% of the funds held in the business account. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232788 | FCRE1206 | 8/17/2026 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Appraiser and appraisal company were not checked against the exclusionary lists. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232788 | finding-3634 | 8/17/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure 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 zero tolerance violation in the amount of XXX is due to increase in the discount point fee on the Final CD dated XX/XX/XXXX. There was no COC found in the file to explain why and when the fee increased. Please note there was a cure of XXX on the Final CD that was applied manually to credit report and transfer fee increases, but was not sufficient for entire cure. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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. ; Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232788 | FCOM9186 | 8/13/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. The initial 1003 is dated XX/XX/XXXX. We have provided the Econsent also dated XX/XX/XXXX. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232788 | finding-3532 | 8/12/2026 | Compliance | TRID | 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 XX/XX/XXXX 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 XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232788 | FPRO8998 | 8/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.71% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.71% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232781 | finding-3634 | 8/24/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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. Please see the email explanation from our compliance dept dated XX/XX/XXXX and supporting COD and PCCD.; Document Uploaded. The explanation was on the email document submitted XX/XX/XXXX. It is attached again and the Lender Reply is highlighted. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 80% | 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 58.82% is less than Guideline LTV of 80% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232781 | FPRO8998 | 8/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 80% | 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 58.82% is less than Guideline LTV of 80% | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232781 | FCRE8999 | 8/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 80% | 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 58.82% is less than Guideline LTV of 80% | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232778 | FCOM1266 | 8/27/2026 | Compliance | Missing Doc | 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, XX/XX/XXXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/27/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232778 | FCOM1621 | 8/27/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/27/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232778 | FPRO9990 | 8/25/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third-party valuation (Collateral Underwriter (CU) and/or Loan Collateral Advisor (LCA) with scores of XX/XX/XXXX or below, CDA/ARR, or CCA). | Document Uploaded. ; Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/25/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232778 | FPRO1242 | 8/25/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Missing full interior/exterior appraisal required per XXX Non-QM Program Guidelines. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/25/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | FCOM5922 | 8/24/2026 | Compliance | Disclosure | Lender QM Status not validated | The Originator QM designation was not verified. The Originator disclosed a QM designation of (ATR Risk: Non-QM Lender did not document all ATR UW factors), whereas the final QM designation is (QM: Average Prime Offer Rate (APOR)). | Document Uploaded. Uploaded passing XXX confirming ATR/QM tests and UW factors. The UW confirmed loan was set up with the correct QM designation. | XXX: Clear | Rescinded | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305232778 | FCOM1232 | 8/19/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing. Final loan application not included in the loan file. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | FCRE1254 | 8/19/2026 | Credit | Title | Property Title Issue | Property Title Issue. Title Commitment vested title in the trust and included a requirement for a Certification of Trustee. A title comment indicated that a deed was needed to place the current trustee on title because the original trustee held legal title. While the file contains a Certificate of Trust identifying the Borrower as the current trustee, evidence of a recorded deed or other instrument transferring title from the trust/original trustee to the Borrower was not provided. Please provide recorded title documentation (e., deed or other XXX vesting instrument) evidencing the transfer of title from the trust/original trustee to the Borrower individually, as the title commitment reflects the trust as the vested owner. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232778 | FCRE1201 | 8/19/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Missing required third-party fraud report. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | FCRE1182 | 8/19/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing loan approval and/or XXX | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232778 | FCRE8201 | 8/19/2026 | Credit | Eligibility | Loan does not conform to program guidelines | The loan file does not include a Final Closing Disclosure or any account Statements showing actual balance of the revolving accounts paid off at closing. The balances on the credit report are higher than the amounts indicated as paid, and no documentation is present to validate the true payoff amounts. Please provide the Final CD to confirm the actual payoff amounts disbursed at closing. If the payoff amounts on the Final CD do not match the balances reflected on the credit report, please provide account Statements showing the actual balances as of the payoff date. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232778 | FCRE3978 | 8/19/2026 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Missing required Borrower letter addressing all credit inquiries within the most recent XXX days. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | FCOM1252 | 8/19/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate 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: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | FCOM1544 | 8/18/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure. Documentation required to clear exception: The Final CD is missing from the loan file per XXX in file. All testing was completed using CD XX/XX/XXXX. Please provide final CD for additional testing. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232778 | finding-651 | 8/18/2026 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure 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 Processing Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title Closing Protection Letter (CPL) [Closing Protection Letter Fee] paid by Borrower: XXX Reconveyance Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX Title Reconveyance fee: XXX | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% | Resolved | 8/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305232773 | FPRO1242 | 8/12/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Missing required full interior/exterior appraisal, including form 1007. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232773 | FPRO9990 | 8/12/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third-party valuation (Collateral Underwriter (CU) and/or Loan Collateral Advisor (LCA) with scores of XX/XX/XXXX or below, CDA/ARR, or CCA). | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232773 | FCOM8997 | 8/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232773 | FCRE8999 | 8/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/7/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232791 | finding-3634 | 8/28/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure 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 zero tolerance violation in the amount of XXX is due to the increase in discount points and the addition of the appraisal delivery fee; Cure of XXX on CD was applied to the increase in the credit report fee TILA 130b Cure 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 zero tolerance violation in the amount of XXX is due to the increase in discount points and the addition of the appraisal delivery fee; Cure of XXX on CD was applied to the increase in the credit report fee 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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. Document Uploaded. Document Uploaded. Updated cure amount to $XXX. The COC did not contain a valid reason for the addition of an appraisal review fee. The lender received the appraisal for review on XX/XX/XXXX but an appraisal review was not disclosed until XX/XX/XXXX Updated cure amount to $XXX. The COC did not contain a valid reason for the addition of an appraisal review fee. The lender received the appraisal for review on XX/XX/XXXX but an appraisal review was not disclosed until XX/XX/XXXX 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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. Document Uploaded. Document Uploaded. Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 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 | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||||
| XXX | XXXXX | 305232791 | FCRE1182 | 8/18/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing loan approval and/or XXX | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232791 | FPRO9990 | 8/18/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third-party valuation (Collateral Underwriter (CU) and/or Loan Collateral Advisor (LCA) with scores of XX/XX/XXXX or below, CDA/ARR, or CCA). | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232791 | FCRE5783 | 8/18/2026 | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing. Loan file is missing evidence of either pre-closing Undisclosed Debt Monitoring (UDM) or a credit refresh completed within ten XXX business days of the XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE5782 | 8/18/2026 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing. Loan file is missing evidence of either pre-closing Undisclosed Debt Monitoring (UDM) or a credit refresh completed within ten XXX business days of the XXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE5116 | 8/18/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Loan file is missing housing payment history verifying a maximum of XXX in the most recent XXX months. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE2109 | 8/18/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Missing income worksheets which detail the qualifying income calculations as required per XXX Non-QM Program Guidelines. The loan file does not contain income worksheets supporting the XXX monthly qualifying income reflected on the loan application. The income worksheets included in the file calculate monthly qualifying income of XXX and XXX which do not reconcile to the income amount used for qualification. As a result, insufficient documentation was provided to support and validate the qualifying income utilized in the underwriting decision. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE1437 | 8/18/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The business narrative is incomplete. Additionally, the loan file does not contain documentation supporting the expense ratio used to calculate qualifying income. While program guidelines permit multiple expense ratio options, no documentation has been provided evidencing how the expense ratio was determined, and the tax preparer letter does not verify the expense ratio applied. Please provide a completed business narrative and supporting documentation for the expense ratio used in the income calculation. | Document Uploaded. UW Response: XXX. CPA letter says XX/XX/XXXX ownership B. The business narrative States there are XXX employees C. The business narrative also explains how this is a service related business This information gives the underwriter sufficient information to determine the expense ratio. | XXX: Clear | 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 | Resolved | 8/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232791 | FCRE1479 | 8/18/2026 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Business assets from XXX account ending in #XXX (XXX) were used for funds to close and reserves. The documented XXX% ownership interest in the file pertains to XXX, a separate business entity. For XXX, the loan file includes only a XXX Business Depository Certificate and Business Signature Card identifying the Borrower and Co-Borrower as Managers and authorized signers on the account. However, the documents do not identify the business owners, ownership percentages, or whether additional owners exist. As a result, the file does not document that the Borrower and/or Co-Borrower maintain the required minimum XXX% ownership interest in XXX. Additionally, no authorization or access letter from any non-borrowing owner was provided. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/18/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232791 | FCRE1491 | 8/18/2026 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Borrower owns XXX% of XXX; however, XXX% of the business account balance was utilized for funds to close and reserves. The XXX Non-QM Program Guidelines require business assets to be multiplied by the Borrower's ownership percentage to determine the owner's portion of business assets eligible for the transaction. The file contains a lender-approved exception permitting use of XXX% of the business assets. Compensating factors cited in support of the exception include strong and stable business cash flow over a XXX-month period, consistent monthly deposits, no overdraft activity, low debt ratio, satisfactory credit history/score, and low revolving debt utilization. | Document Uploaded. | XXX: Clear | 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 | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |
| XXX | XXXXX | 305232791 | FPRO1242 | 8/12/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Missing required full interior/exterior appraisal. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE1241 | 8/12/2026 | Credit | Missing Doc | Purchase Contract is Missing | XXX is Purchase but Purchase Contract Doc is Missing. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCOM1231 | 8/12/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing. Loan file is missing the initial application. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCRE1145 | 8/12/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing. Missing required title document. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | finding-3532 | 8/11/2026 | Compliance | TRID | 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 XX/XX/XXXX 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 XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232791 | FCOM1252 | 8/11/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate 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. Also provide the initial Service Providers List for accurate TRID review. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232791 | FCOM5135 | 8/11/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232791 | FCOM3608 | 8/11/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232791 | FCOM3849 | 8/11/2026 | Compliance | Disclosure | 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 XXX(a)(XXX)). 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: Clear | 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 | Resolved | 8/11/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232791 | FCOM1266 | 8/11/2026 | Compliance | Missing Doc | 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 date of XX/XX/XXXX. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232791 | FCOM9186 | 8/11/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Initial loan documents not provided. If any documents are electronically signed, provide proof of e-consent dated prior to or on the date documents electronically signed. | Document Uploaded. | XXX: Clear | 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 | Resolved | 8/11/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232782 | FCRE1159 | 8/14/2026 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The final Closing Disclosure reflects a disbursement date of XX/XX/XXXX, while the hazard insurance policy shows an effective date of XX/XX/XXXX. Based on the dates disclosed, the insurance coverage appears to begin after the loan disbursement date. Please provide clarification and/or corrected documentation confirming the accurate disbursement date and that the hazard insurance was in effect as of disbursement or provide an updated hazard insurance policy reflecting coverage effective no later than XX/XX/XXXX. | Document Uploaded. Note from UW: funds were not released until XX/XX/XXXX that would count as the true fund date | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/14/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232782 | FCRE1145 | 8/12/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing. Missing required title document. | Document Uploaded. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/12/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232782 | FCRE9785 | 8/12/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete. Borrower received a seller credit of $XXX; however, the purchase contract reflects a seller contribution of XXX Please provide a fully executed addendum reflecting the final agreed upon seller credit of XXX | Document Uploaded. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/12/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232782 | FPRO8998 | 8/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232782 | FCOM8997 | 8/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194215 | finding-2978 | 8/10/2026 | Compliance | Points & Fees | XXX CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | 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 | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194215 | finding-3352 | 8/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | 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 | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194215 | FCRE8999 | 8/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305194215 | FPRO8998 | 8/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 8/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197564 | finding-2962 | 8/11/2026 | Compliance | Points & Fees | XXX 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | 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 | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197564 | finding-3352 | 8/11/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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 secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | XXX: Clear | 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 | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197564 | FPRO8998 | 8/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305197564 | FCRE8999 | 8/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Resolved | 8/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232797 | FCRE8999 | 8/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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 | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232797 | FPRO8998 | 8/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232797 | FCOM8997 | 8/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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 | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232775 | FCRE8999 | 8/18/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232775 | FPRO8998 | 8/18/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232775 | FCOM8997 | 8/18/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/18/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232801 | FCRE1145 | 8/19/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing. Title is missing | Document Uploaded. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/19/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232801 | finding-3634 | 8/17/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130B required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Appraisal 1004D was added to the LE issued XX/XX/XXXX without a valid reason. A cure in the amount of XXX was applied to the increase in the Credit report fee; therefore, a cure is required in the amount of XXX if coc dated within XXX business days of disclosure is not received. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232801 | FCOM1621 | 8/17/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | Document Uploaded. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305232801 | FPRO8998 | 8/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 8/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232808 | FCRE1481 | 8/27/2026 | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Per XXX UW commentary and the Final 1003, borrower was taking out a 2nd XXX on their primary residence "XXX" with XXX in the amount of XXX with a monthly payment of XXX and proceeds from transaction to be used for subject in the amount of XXX Documentation to support the 2nd XXX transaction as described to support assets/reserves required and qualifying DTI is missing | Document Uploaded. UW Note: Please find the final HUD for XXX – Net proceeds XXX. Borrowers Statements in file are XXX = total assets $XXX. Since this is a DSCR loan, DTI is not applicable. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/27/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232808 | FCRE1195 | 8/20/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 70% ; Lender exception in file to permit LTV/CLTV to XXX% for first time home investor supported by the following compensating factors: XXX FICO, months reserves. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232808 | FCRE1196 | 8/20/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 70% ; Lender exception in file to permit LTV/CLTV to XXX% for first time home investor supported by the following compensating factors: XXX FICO, months reserves. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232808 | FCRE8201 | 8/20/2026 | Credit | Eligibility | Loan does not conform to program guidelines | Lender used current property tax amount rather than XXX% required by guidelines. Lender exception in file supported by the following compensating factors: XXX FICO, months reserves. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232808 | FCRE1194 | 8/20/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% ; Lender exception in file to permit LTV/CLTV to XXX% for first time home investor supported by the following compensating factors: XXX FICO, months reserves. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305232808 | FPRO8998 | 8/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232808 | FCOM8997 | 8/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/20/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232774 | FCRE1193 | 8/27/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Max DTI per XXX Matrix is XXX% DTI, qualifying DTI is XXX%; several open accounts reported on the credit report were not included in the DTI analysis. Total monthly consumer liabilities verified XXX vs amount included by Lender of $XXX. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.98% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232774 | FPRO9990 | 8/27/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product missing | Document Uploaded. We are only required to have one UCDP within tolerance and utilized the FNMA UCDP with a score of XX/XX/XXXX which is attached. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.98% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232774 | finding-3532 | 8/26/2026 | Compliance | TRID | 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 XX/XX/XXXX 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 XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | XXX: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.98% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/26/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232774 | FCOM3849 | 8/21/2026 | Compliance | Disclosure | 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 XXX(a)(XXX)). 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: Clear | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.98% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/21/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241226 | FCRE4104 | 9/9/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The account used toward the purchase transaction reflected a XXX deposit on XX/XX/XXXX and transfers of XXX and XXX on XX/XX/XXXX. Given the size of these recent inflows relative to the Borrower's documented income profile, please provide a satisfactory letter of explanation and/or supporting documentation from an eligible source evidencing the origin of the funds in accordance with DSCR large deposit requirements. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241226 | FCRE8201 | 9/3/2026 | Credit | Eligibility | Loan does not conform to program guidelines | The subject property is vested in an LLC; however, the Note was executed solely by the individual borrower and was not signed by the guarantor in their capacity as a member/managing member of the LLC. Program guidelines require the Note to be signed by the guarantor both in their individual capacity and as member(s) and/or managing member of the entity, as applicable. Evidence supporting compliance with the entity signature requirements was not identified in the file. | Our Closing Manager reviewed the Note and it is signed correctly in the borrower’s individual capacity. If this will not clear the condition, please let me now exactly how you want it to read before we go back to the borrower to sign a new note that we feel is unnecessary. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/3/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241226 | FPRO8998 | 8/31/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241226 | FCOM8997 | 8/31/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241224 | FCRE8201 | 8/31/2026 | Credit | Eligibility | Loan does not conform to program guidelines | An exception was approved to permit qualification using projected short-term rental income. The approval was conditioned upon receipt of a TPR report with a grade of B or better and documentation evidencing the Borrower's short-term rental experience. The file contains a third-party short-term rental analysis and a Borrower experience letter supporting compliance with the exception requirements. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241224 | FPRO8998 | 8/31/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241224 | FCOM8997 | 8/31/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/31/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241224 | FCRE8999 | 8/31/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305241218 | FCRE1316 | 9/9/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Per XXX Non-QM Program Guidelines, a Verbal Verifications of Employment (VVOE) must be completed within ten XXX calendar days of the closing date. A third-party employment verification is dated XX/XX/XXXX, which is outside the required timeframe. Please provide a XXX-day VVOE for the Borrower. | Document Uploaded. | XXX: Clear | 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 59.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241218 | FCOM5922 | 9/9/2026 | Compliance | Disclosure | Lender QM Status not validated | The Originator QM designation was not verified. The Originator disclosed a QM designation of (Non-QM: Lender documented all ATR UW factors), whereas the final QM designation is (QM: Average Prime Offer Rate (APOR)). | Document Uploaded. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241218 | finding-3532 | 9/4/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Initial CD provided; exception resolved | Document Uploaded. ; Document Uploaded. ; Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XX/XX/XXXX. | XXX: Clear | 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 59.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/4/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241218 | FPRO8998 | 9/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 59.14% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241232 | FCRE1148 | 9/17/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Please provide a revised title commitment reflecting sufficient title insurance coverage, as the proposed coverage amount of XXX is less than the subject XXX of XXX | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241232 | FCRE1206 | 9/17/2026 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Supervisory appraiser (XXX) and appraisal company (XXX) have not been checked against the exclusionary lists. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241232 | FCRE8201 | 9/17/2026 | Credit | Eligibility | Loan does not conform to program guidelines | Title is vested in an Inter Vivos Revocable Trust; however, the Borrower Eligibility grid for the Non-QM DSCR XXX-Year Fixed product does not identify an Inter Vivos Revocable Trust as an eligible Borrower. Please provide copy of title with updated vested interest. | Document Uploaded. Attached is the recent guidelines which show that a Inter Vivos Revocable Trust is XXX. Can you please waive the condition or provide me with the guidelines you are referring to. Thank you.; Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |
| XXX | XXXXX | 305241232 | FPRO8998 | 9/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241232 | FCOM8997 | 9/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241227 | finding-3634 | 9/22/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cure package provided to the borrower; exception downgraded to a B | Document Uploaded. ; Document Uploaded. ; TILA 130b Cure 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 zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points - Loan Discount Fee and from XXX to XXX for the Appraisal Re-Inspection Fee. The increase to the Loan Discount Fee on the Final CD dated XX/XX/XXXX was not accepted. The file did not contain a COC or explanation as to why the fee increased. The addition of the Appraisal Re-Inspection Fee added on the LE dated XX/XX/XXXX was not accepted. The file did not contain any COC or explanation as to why the fee was added. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.77% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.77% is less than Guideline CLTV of 85% | Cured | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241227 | FCRE1148 | 9/14/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total XXX | Document Uploaded. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.77% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.77% is less than Guideline CLTV of 85% | Resolved | 9/14/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241227 | finding-3532 | 9/4/2026 | Compliance | TRID | 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 XX/XX/XXXX 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 XX/XX/XXXX. | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.77% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.77% is less than Guideline CLTV of 85% | Resolved | 9/4/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305241227 | FPRO8998 | 9/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.77% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.77% is less than Guideline CLTV of 85% | Resolved | 9/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241222 | FCOM8997 | 9/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.26% is less than Guideline CLTV of 75% | 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. | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241222 | FCRE8999 | 9/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.26% is less than Guideline CLTV of 75% | 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. | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241222 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.26% is less than Guideline CLTV of 75% | 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. | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241221 | FCRE2009 | 9/14/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage. Rent loss insurance coverage equal to a minimum XXX months is required for DSCR loans. **Note: Per the Master policy and HO-6 subject is insured as a Condo. Per the Appraisal report subject is a PUD Townhome Semi-Detached End Unit, this is also confirmed by the FNMA UAD XX/XX/XXXX report and property listing information found on line. The Master and HO-6 do not reflect Rent loss of XXX months as required by GL's; Clarification of subject XXX required; subject to additional property requirements** | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241221 | FCOM8997 | 9/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241221 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241221 | FCRE1194 | 9/5/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% DSCR STR Max LTV 70%, Lender Exception via email for LTV of 75%; Comp Factors include: DSCR > XXX; Cash out is reserves; Great credit and investor experience. **Note appraisal reflects subject in a declining market, per XXX UW notes, LTV is still eligible per exception to XXX% with no adjustment, clarification required as per email exception it does not reflect the declining market and States "any applicable pricing adjustments may apply"** | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241221 | FCRE1195 | 9/5/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% DSCR STR Max LTV 70%, Lender Exception via email for LTV of 75%; Comp Factors include: DSCR > XXX; Cash out is reserves; Great credit and investor experience. **Note appraisal reflects subject in a declining market, per XXX UW notes, LTV is still eligible per exception to XXX% with no adjustment, clarification required as per email exception it does not reflect the declining market and States "any applicable pricing adjustments may apply"** | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241221 | FCRE1196 | 9/5/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% DSCR STR Max LTV 70%, Lender Exception via email for LTV of 75%; Comp Factors include: DSCR > XXX; Cash out is reserves; Great credit and investor experience. **Note appraisal reflects subject in a declining market, per XXX UW notes, LTV is still eligible per exception to XXX% with no adjustment, clarification required as per email exception it does not reflect the declining market and States "any applicable pricing adjustments may apply"** | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241216 | finding-3532 | 9/4/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Initial CD received; 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 XX/XX/XXXX 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 XX/XX/XXXX. | 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 61.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.22% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305241216 | FCRE1182 | 9/4/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Unable to locate required XXX or lender approval in file. | Document Uploaded. | XXX: Clear | 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 61.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.22% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241216 | FCRE7497 | 9/4/2026 | Credit | Missing Doc | 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. Unable to locate verification on if HOA on XXX disclosed on the 1003. Guidelines require proof of property insurance, taxes, and HOA (if applicable) on additional properties. | Document Uploaded. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241216 | FCOM9186 | 9/4/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | XXX: Clear | 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 61.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.22% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241216 | FPRO8998 | 9/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 61.22% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.22% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241223 | FCRE8999 | 9/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241223 | FCOM8997 | 9/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241223 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241220 | FCRE9488 | 10/1/2026 | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. Documentation in the file reflects conflicting occupancy intent. Conversation log entries indicate that the loan was originally submitted under an Alt Doc program using XXX months of bank Statements. The loan was subsequently suspended and converted to an investment property DSCR program after the Borrower did not qualify for the Alt Doc program. The initial signed loan application dated XX/XX/XXXX identifies the subject property as a primary residence with intended owner occupancy. Although the purchase contract originally reflected an investment property intent, as Section XXX (Occupancy) indicated that the Buyer does not intend to occupy the property as the Buyer's primary residence, the fully executed counter offer dated XX/XX/XXXX revised the occupancy provision to indicate that the Buyer does intend to occupy the property as the Buyer's primary residence. The revised counter offer predates the initial loan application date of XX/XX/XXXX and is consistent with the Borrower's original application for owner occupancy. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/1/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241220 | FCRE1182 | 10/1/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Final XXX missing | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/1/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241220 | FCRE9785 | 10/1/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete. Purchase contact State property is owner occupied. Proved addendum that property is non owner occupied. | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| XXX | XXXXX | 305241220 | FCRE2500 | 9/25/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Personal Guarantee § Required from the borrower | Loan that is vested as an individual. Personal Guaranty should not be required | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241220 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241220 | FCOM8997 | 9/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241217 | FCOM1229 | 9/14/2026 | Credit | Missing Doc | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. The 1-4 Family Rider is incomplete. Page XXX of XXX is missing. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241217 | FPRO1500 | 9/14/2026 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing. The subject property is a condominium; however, the loan file does not contain project review documentation identifying the condominium project's warrantability classification. | Document Uploaded. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241217 | FCOM8997 | 9/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241217 | FCRE1491 | 9/5/2026 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Business assets were utilized at XXX% of the account balance for funds to close and reserves despite the Borrower holding only a XXX% ownership interest in the business. A lender exception was approved to permit the use of XXX% of the business assets based on compensating factors, including reserves resulting from the use of XXX% of the assets, the Borrower's credit history, and the Borrower's experience as an investor. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||
| XXX | XXXXX | 305241231 | FCOM3849 | 9/9/2026 | Compliance | Disclosure | 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 XXX(a)(XXX)). 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: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 9/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241231 | FCRE1182 | 9/9/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Loan approval / XXX is missing | Document Uploaded. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 9/9/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241231 | FCRE1201 | 9/9/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Third Party Fraud Report is missing | Document Uploaded. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 9/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241231 | finding-3634 | 9/9/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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. ; TILA 130b Cure 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 zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal re-inspection fee on LE XX/XX/XXXX. A cure of XXX was provided at consummation and applied towards increase in credit fee. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 9/9/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241231 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | 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 80% is less than Guideline CLTV of 90% | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241228 | FCOM1266 | 9/17/2026 | Compliance | Missing Doc | 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. An Initial application was not provided in file to determine an application date. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241228 | FCOM5135 | 9/17/2026 | Compliance | Missing Doc | 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 or made no referral of business to affiliates. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241228 | FCOM3608 | 9/17/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241228 | FCRE1182 | 9/17/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing loan approval and/or XXX | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241228 | FCRE1206 | 9/17/2026 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Additional property seller (XXX) was not checked against the exclusionary lists. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241228 | FCOM9186 | 9/17/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | B | A | B | A | B | A | B | A | B | A | B | A | |
| XXX | XXXXX | 305241228 | FCRE2109 | 9/17/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The income worksheet included in the loan file does not match the qualifying income calculation. The XXX Non-QM Program Guidelines require loan files to contain income worksheets detailing the qualifying income calculation. Please provide an updated income worksheet that accurately reflects and supports the qualifying income calculation. | Document Uploaded. Underwriter comment: The ICW currently in the file is correct; however, the qualifying income in our system should have been updated to reflect the ICW calculation. Attached is a revised 1003. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241228 | finding-3532 | 9/9/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD and subsequent CD's are missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD and subsequent CD's, as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/9/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305241228 | FCOM1252 | 9/9/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate 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 along with any Change of Circumstances that were issued to the consumer. | Document Uploaded. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/9/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305241228 | FPRO8998 | 9/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/5/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241230 | FCOM1221 | 9/30/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete. XXX: For subject properties located in XXX, a XXX Foreign Interest Affidavit must be executed at closing. And, Automatic Payment Authorization (ACH) from a XXX account is required and will be arranged at closing. | Document Uploaded. | XXX: Clear | Resolved | 9/30/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305241230 | FCRE1437 | 9/30/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Foreign National do not qualify for DSCR loans per XXX Non QM Program XXX | XXX: Clear | Resolved | 9/30/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |||
| XXX | XXXXX | 305241230 | FCRE2500 | 9/30/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Per the Non-QM DSCR XXX Matrix dated XXX, a personal guaranty is required from the borrower. | please escalate for review. ; Can you please elaborate on what is needed for the personal guarantee? Is there a specific form required. Our XXX would also like to know why it is being required as title was taken in the name of individuals not an LLC and the note was also signed by individuals and not by members of an LLC. Thank you.; Document Uploaded. | XXX: Clear | Rescinded | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241230 | FCRE7496 | 9/15/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Lender included an unverified HOA amount for the subject of XXX per month; appraisal does not verify this amount. | Document Uploaded. | XXX: Clear | Resolved | 9/15/2026 | D | A | D | A | D | A | D | A | D | A | D | A | ||
| XXX | XXXXX | 305241230 | FCRE1440 | 9/11/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. VOR is joint and from an individual. Lender exception via email, Private Party VOR (Joint while GL's require all borrowers to be evaluated individually) w/ additional tradelines; each borrower does not meet the tradeline requirement. Exception approved; Compensating Factors include: DSCR > XXX Seasoned investor, XXX months reserves. | XXX: Clear | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | |||
| XXX | XXXXX | 305241230 | FPRO8998 | 9/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 9/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241230 | FCOM8997 | 9/11/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 9/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241219 | FCRE3500 | 9/28/2026 | Credit | Borrower | Borrower residency documentation not provided or issue with documentation | Borrower is Non-Perm Resident with EAD only and No VISA, in file is the standard DL, Employment Authorization card and Marriage license. Lender Exception per email accepting documents with No VISA. Compensating Factors include: Borrower has a I-XXX, EAD, SSA validation and a marriage license. | Acknowledged | Yes | C | B | C | B | C | B | C | B | C | B | C | B | ||||
| XXX | XXXXX | 305241219 | FPRO8998 | 9/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Resolved | 9/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241219 | FCOM8997 | 9/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Resolved | 9/21/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305232463 | FCRE8999 | 7/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | 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% | Resolved | 7/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232463 | FPRO8998 | 7/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | 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% | Resolved | 7/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232463 | FCOM8997 | 7/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | 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% | Resolved | 7/10/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232517 | FCOM1208 | 8/10/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete. Missing page XXX of note. | Document Uploaded. Please see attached full note | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/10/2026 | D | A | D | A | D | A | D | A | D | A | D | A | |
| XXX | XXXXX | 305232517 | FCOM6928 | 8/10/2026 | Compliance | TRID | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year. Cure package requires a PCCD and LOE. (PCCD has escrows for taxes and insurance, the Initial Escrow Account Disclosure Statement is blank, escrow waiver disclosure provided). | Document Uploaded. Please see attached correct IEAD form, the previous version sent was an error due to a shipping mistake. | XXX: Clear | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/10/2026 | C | A | C | A | C | A | C | A | C | A | C | A | |
| XXX | XXXXX | 305232517 | FPRO8998 | 8/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/6/2026 | A | A | A | A | A | A | A | A | A | A | A | A | |||
| XXX | XXXXX | 305241197 | FPRO8998 | 8/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.02% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.02% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305241197 | FCRE8999 | 8/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.02% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.02% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157855 | FCOM8997 | 6/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157855 | FPRO8998 | 6/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305157855 | FCRE8999 | 6/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. | XXX: Clear | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/2/2026 | A | A | A | A | A | A | A | A | A | A | A | A | ||
| XXX | XXXXX | 305232741 | XXX | 8/19/2026 | Credit | Closing Documentation | Note Missing or Defective | Per Secured Note in file, the subject loan is a XXX Year Interest Only for XXX months with a Balloon Payment. Per DSCR Program Matrix, this is no an eligible loan type | XXX: Corrected and signed Note uploaded | XXX: Clear | Cleared | 10/8/2026 | C | A | C | A | C | A | C | A | C | A | C | A | ||
| XXX | XXXXX | 305232741 | XXX | 7/22/2026 | Credit | LTV/ARLTV | Excessive LTV Ratio | 75% LTV > XXX% Max LTV for a vacant refinance | XX/XX/XXXX: Exception uploaded | XXX: Clear | XXX Total Reserves, Owns XXX rentals, XXX Qualifying FICO | Acknowledged | 7/23/2026 | C | B | C | B | C | B | C | B | C | B | C | B |
| Loan Number | Seller Loan ID | Initial Loan Grade | Final Loan Grade | Initial DBRS Loan Grade | Final DBRS Loan Grade | Initial DBRS Credit Loan Grade | Final DBRS Credit Loan Grade | Initial DBRS Compliance Loan Grade | Final DBRS Compliance Loan Grade | Initial DBRS Property Loan Grade | Final DBRS Property Loan Grade | Initial Moody's Loan Grade | Final Moody's Loan Grade | Initial Moody's Credit Loan Grade | Final Moody's Credit Loan Grade | Initial Moody's Compliance Loan Grade | Final Moody's Compliance Loan Grade | Initial Moody's Property Loan Grade | Final Moody's Property Loan Grade | Initial Fitch Loan Grade | Final Fitch Loan Grade | Initial Fitch Credit Loan Grade | Final Fitch Credit Loan Grade | Initial Fitch Compliance Loan Grade | Final Fitch Compliance Loan Grade | Initial Fitch Property Loan Grade | Final Fitch Property Loan Grade | Initial Kroll Loan Grade | Final Kroll Loan Grade | Initial Kroll Credit Loan Grade | Final Kroll Credit Loan Grade | Initial Kroll Compliance Loan Grade | Final Kroll Compliance Loan Grade | Initial Kroll Property Loan Grade | Final Kroll Property Loan Grade | Initial S&P Loan Grade | Final S&P Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Initial S&P Property Loan Grade | Final S&P Property Loan Grade | Originator QM/ATR Status | TPR QM/ATR Status |
| 305175376 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305181959 | XXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191713 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305175054 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305204367 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305144701 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305196127 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305180347 | XXXXX | C | B | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191574 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305147630 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305169759 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122744 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305171863 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305192009 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305174121 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305177997 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305180349 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197042 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305174120 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195864 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305187903 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195865 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305173136 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176132 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195860 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139700 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139704 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305192011 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176136 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305181986 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197035 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305215254 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197034 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305186575 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208638 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305202967 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201079 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305210782 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305203921 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305186644 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305096933 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305222194 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220719 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305189506 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191665 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305225916 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305214208 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226181 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305214090 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305212033 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305211539 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305210763 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194875 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216541 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305211899 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220690 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216745 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213258 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226004 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216735 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305206640 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213228 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216742 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195197 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305190714 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208640 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305207660 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208648 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305207661 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226180 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226056 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226152 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226532 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220242 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213230 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305190522 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305225686 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213255 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305227372 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305235074 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305234144 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305212036 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226000 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641856 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304493266 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305078099 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305077923 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102826 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156693 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172516 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102773 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305133946 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305142428 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305120677 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122627 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122626 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156533 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156439 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194456 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156572 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172604 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305142129 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172500 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172474 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197497 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194472 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194339 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194276 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201126 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201268 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201205 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201125 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201124 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201288 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201271 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201232 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201237 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201195 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201265 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201223 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201198 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201145 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201127 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201230 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201186 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201274 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201180 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201154 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201155 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201147 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201174 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232770 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232768 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232769 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232765 | XXXXX | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232766 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106526 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106524 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106518 | XXXXX | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232763 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232762 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232759 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232758 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232746 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232750 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232760 | XXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232753 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232751 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191794 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232761 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232752 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232757 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232755 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232813 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232748 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232812 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232745 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232754 | XXXXX | D | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232742 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232756 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232743 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232740 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232764 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232744 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232749 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232747 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232767 | XXXXX | D | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232739 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241213 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241215 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191817 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102496 | XXXXX | D | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176833 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305176839 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157892 | XXXXX | C | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232790 | XXXXX | D | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232792 | XXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305142119 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191495 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191486 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191417 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191414 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191413 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191480 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191470 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191462 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191443 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191441 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191440 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191431 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191513 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191512 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191498 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191488 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191478 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191477 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191455 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191446 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191423 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191422 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191420 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191411 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191435 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305172477 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191568 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191472 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191461 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191450 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191436 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191430 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191409 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232806 | XXXXX | C | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232787 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232799 | XXXXX | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232786 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232783 | XXXXX | D | B | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232814 | XXXXX | D | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232805 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232800 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232785 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232784 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191500 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191444 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191403 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191399 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156539 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305157828 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191499 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191496 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191426 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191404 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191402 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191400 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156429 | XXXXX | C | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305172780 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305156499 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305156331 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232807 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232779 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232777 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232776 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156434 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194430 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194408 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194498 | XXXXX | D | B | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157797 | XXXXX | B | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305102546 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232804 | XXXXX | D | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232772 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232771 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232788 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232781 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232778 | XXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232773 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232791 | XXXXX | D | B | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305232782 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194215 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305197564 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232797 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232775 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232801 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305232808 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232774 | XXXXX | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241226 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241224 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241218 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241232 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241227 | XXXXX | C | B | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241222 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305241221 | XXXXX | D | B | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241216 | XXXXX | C | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241223 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241220 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241217 | XXXXX | D | B | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241231 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241228 | XXXXX | D | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241230 | XXXXX | D | B | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241219 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232463 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232517 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241197 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157855 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232741 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| Loan ID | Seller Loan ID | Investor Loan ID | Note Date | Original Loan Amount | Sales Price | Total Adjusted Prior Purchase Price | Primary Appraised Value | Primary Appraisal Date | Primary Appraisal Type | Value for LTV | LTV | CLTV | Loan Reviewed Property Value | Loan Reviewed Variance Amount | Loan Reviewed Variance Percent | Loan Reviewed Product Type | Loan Post-Close Reviewed Property Value | Loan Post-Close Reviewed Variance Amount | Loan Post-Close Reviewed Variance Percent | Loan Post-Close Reviewed Product Type | Second Appraisal Value | Second Appraisal Variance Amount | Second Appraisal Variance Percent | Second Appraisal Date | Second Appraisal Type | AVM Appraised Value | AVM Variance Amount | AVM Variance Percent | AVM Confidence Score | FSD Score | AVM Company Name | AVM Product Name | AVM Appraisal Date | Desk Review Appraised Value | Desk Review Variance Amount | Desk Review Variance Percent | Desk Review Company | Desk Review Risk Score | Desk Review Appraisal Date | Second Desk Review Variance Amount | Second Desk Review Variance Percent | Second Desk Review Appraisal Date | Second Desk Review Appraised Value | Desk Top Appraised Value | Desk Top Variance Amount | Desk Top Variance Percent | Desk Top Company | Desk Top Appraisal Date | BPO Appraised Value | BPO Variance Amount | BPO Variance Percent | BPO Company | BPO Appraisal Date | Field Review Appraised Value | Field Review Variance Amount | Field Review Variance Percent | Field Review Company | Field Review Appraisal Date | 2055 Appraised Value | 2055 Variance Amount | 2055 Variance Percent | 2055 Company | 2055 Appraisal Date | AVE/CMA Appraised Value | AVE/CMA Variance Amount | AVE/CMA Variance Percent | AVE/CMA Company | AVE/CMA Appraisal Date | Other Appraised Value | Other Variance Amount | Other Variance Percent | Other Appraisal Date | Updated Appraised Value | Updated Variance Amount | Updated Variance Percent | Updated Company | Updated Appraisal Date | Updated Appraisal Type | Loan Collateral Advisor Risk Score | Loan Collateral Advisor Risk Score Date | Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? | Collateral Underwriter Risk Score | Collateral Underwriter Risk Score Date |
| 305175376 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.79 | 68.79 | Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305181959 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 54.55 | 54.55 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191713 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00 | 75.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305175054 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305204367 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305144701 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305196127 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305180347 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.89 | 78.89 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191574 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.79 | 72.79 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305147630 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305169759 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305122744 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305171863 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305192009 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 19.21 | 19.21 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305174121 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305177997 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305180349 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305197042 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305174120 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305195864 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 2.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305187903 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | $XXX | $XXX | -2.75% | 92% | 8% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305195865 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305173136 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305176132 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305195860 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305139700 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305139704 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305192011 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305176136 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305181986 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305197035 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.64 | 69.64 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305215254 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305197034 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305186575 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305208638 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305202967 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201079 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305210782 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 2.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305203921 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.01 | 62.01 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305186644 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305096933 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.48 | 68.48 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305222194 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305220719 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305189506 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191665 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305225916 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305214208 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226181 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305214090 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00 | 65.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305212033 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305211539 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305210763 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.25 | 54.25 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194875 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305216541 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305211899 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00 | 65.00 | $XXX | $XXX | 0.31% | 93% | 7% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305220690 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305216745 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.21 | 79.21 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305213258 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226004 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305216735 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305206640 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.54 | 69.54 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305213228 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | $XXX | $XXX | 39.52% | 95% | 5% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305216742 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305195197 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305190714 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305208640 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305207660 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305208648 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305207661 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Eligible | 1.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226180 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226056 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226152 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.74 | 69.74 | Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226532 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305220242 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305213230 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | $XXX | $XXX | 39.52% | 90% | 10% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305190522 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.77 | 69.77 | Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305225686 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305213255 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305227372 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.13 | 66.13 | $XXX | $XXX | -0.38% | 93% | 7% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305235074 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 62.24 | 62.24 | Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305234144 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305212036 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305226000 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00 | 55.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 304641856 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 2.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 304493266 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305078099 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305077923 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305102826 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.82 | 60.82 | Eligible | 1.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156693 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.43 | 65.43 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172516 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 40.54 | 40.54 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004D | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305102773 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 61.97 | 61.97 | Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305133946 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.50 | 69.50 | Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305142428 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305120677 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004D | Eligible | 2.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305122627 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00 | 75.00 | $XXX | $XXX | 15.38% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305122626 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00 | 75.00 | $XXX | $XXX | 22.22% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156533 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156439 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | Eligible | 1.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194456 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156572 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 71.47 | 71.47 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004D | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172604 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 72.94 | 72.94 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305142129 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004D | Not Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172500 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | 2.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172474 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | -5.56% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305197497 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | 2.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194472 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194339 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004D | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194276 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 69.77 | 69.77 | XXX | XXX | -6.98% | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201126 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201268 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201205 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00 | 55.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201125 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.04 | 78.04 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201124 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.41 | 71.41 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201288 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201271 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.96 | 69.96 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201232 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.63 | 74.63 | XXX | XXX | -6.72% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201237 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201195 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | -2.06% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201265 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | -2.86% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201223 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00 | 65.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201198 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 76.48 | 76.48 | XXX | XXX | -4.40% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201145 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00 | 55.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201127 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201230 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201186 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.29 | 74.29 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201274 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201180 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 79.50 | 79.50 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201154 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201155 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201147 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Narrative | XXX | 55.96 | 55.96 | XXX | XXX | 1.60% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305201174 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.77 | 70.77 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232770 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232768 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | -9.09% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232769 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 79.07 | 79.07 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232765 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232766 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305106526 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305106524 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305106518 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232763 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232762 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | -3.77% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232759 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232758 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232746 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232750 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232760 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00 | 65.00 | XXX | XXX | -3.31% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232753 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232751 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191794 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232761 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232752 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.50 | 67.50 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232757 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 48.50 | 48.50 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232755 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232813 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232748 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232812 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232745 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232754 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.53 | 75.53 | XXX | XXX | -16.67% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232742 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.10 | 71.10 | XXX | XXX | -4.53% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232756 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232743 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232740 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232764 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.00 | 57.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232744 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 74.15 | 74.15 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232749 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232747 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00 | 80.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232767 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.28 | 55.28 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232739 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.77 | 57.77 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241213 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241215 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191817 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.77 | 69.77 | $XXX | $XXX | -9.30% | Desk Review | XXX | XXX | -9.30% | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305102496 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 4.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305176833 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305176839 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 2.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305157892 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.29 | 88.29 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232790 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 37.24 | 37.24 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX | Not Eligible | 3.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232792 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305142119 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.00 | 60.00 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191495 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191486 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191417 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191414 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191413 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191480 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 2.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191470 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.99 | 65.99 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191462 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | $XXX | $XXX | 0.37% | XX/XX/XXXX | 1004 URAR | XXX | XXX | 0.37% | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191443 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191441 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191440 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191431 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.97 | 89.97 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191513 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.00 | 70.00 | $XXX | $XXX | 1.52% | Enhanced Desk Review | $XXX | $XXX | 1.52% | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 1.51% | XX/XX/XXXX | $XXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191512 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191498 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191488 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 48.75 | 48.75 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191478 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191477 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191455 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191446 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 72.76 | 72.76 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191423 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191422 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191420 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90 | 89.90 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 2.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191411 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191435 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | $XXX | $XXX | 0.92% | XX/XX/XXXX | 1004 URAR | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.91% | XX/XX/XXXX | $XXX | Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172477 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191568 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 25.42 | 25.42 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191472 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00 | 65.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191461 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 2.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191450 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191436 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191430 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191409 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 3.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232806 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.80 | 78.80 | 1 | Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232787 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232799 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 46.70 | 46.70 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232786 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 2.5 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232783 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 1.5 | Eligible | 2.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232814 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232805 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 76.36 | 76.36 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232800 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | Not Eligible | 1.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232785 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 3.5 | Not Eligible | 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232784 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.85 | 53.85 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191500 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191444 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 3.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191403 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 48.46 | 48.46 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191399 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156539 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.00 | 72.00 | 1 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305157828 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191499 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.99 | 74.99 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191496 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191426 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | $XXX | $XXX | 4.27% | XX/XX/XXXX | 1004 URAR | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 4.27% | XX/XX/XXXX | $XXX | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191404 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191402 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305191400 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156429 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00 | 80.00 | 2 | Eligible | 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305172780 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156499 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00 | 90.00 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156331 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232807 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232779 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232777 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00 | 75.00 | $XXX | $XXX | -5.41% | Desk Review | XXX | XXX | -5.41% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232776 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 2 | Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305156434 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.78 | 67.78 | 4 | Not Eligible | 1.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194430 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 1 | Eligible | 2.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194408 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00 | 85.00 | 3.5 | Not Eligible | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194498 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 1 | Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305157797 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.74 | 67.74 | $XXX | $XXX | -9.49% | AVM | $XXX | $XXX | -9.49% | 92% | 8% | XXX | i-Val | XX/XX/XXXX | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305102546 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | Not Eligible | 2.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232804 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.55 | 74.55 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232772 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 2.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232771 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.65 | 53.65 | 3 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232788 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 52.71 | 52.71 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 1 | Eligible | 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232781 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.87 | 58.87 | 2.5 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232778 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 35.71 | 35.71 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232773 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.54 | 69.54 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232791 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1.5 | Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232782 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | 1 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305194215 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00 | 90.00 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305197564 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232797 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.88 | 60.88 | 1 | Eligible | 2.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232775 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232801 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00 | 70.00 | 4.5 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232808 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1.5 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232774 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 55.98 | 55.98 | 1.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241226 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241224 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 4.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241218 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.14 | 59.14 | 1 | Eligible | 1.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241232 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.28 | 65.28 | 5 | Not Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241227 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.77 | 70.77 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241222 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 43.26 | 43.26 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | 2.5 | Eligible | 3.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241221 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 1 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241216 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.22 | 61.22 | 3 | Not Eligible | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241223 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241220 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 1.5 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241217 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241231 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 1 | Eligible | 1.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241228 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00 | 80.00 | 2 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241230 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 3.5 | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241219 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | 2.5 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232463 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00 | 75.00 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232517 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00 | 90.00 | 3 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305241197 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.02 | 56.02 | $XXX | $XXX | 0.00% | Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305157855 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.85 | 69.85 | $XXX | $XXX | 0.00% | Enhanced Desk Review | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | Not Eligible | 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 305232741 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00 | 75.00 | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Not Eligible | N/A |
| Loan ID | Seller Loan ID | Investor Loan ID | Field Name | Verified Value | Bid Tape Value | Comment |
| 305216745 | XXXXX | As-Is Value | $XXX | $XXX | Appraisal and change of circumstance letter reflect XXX of XXX | |
| 305195197 | XXXXX | Borrower First Name | XXX | XXX | Note & Credit report reflect "XXX" | |
| 305213228 | XXXXX | DSCR | XXX | XXX | Monthly Breakdown: Income $ XX/XX/XXXX / PITIA XXX | |
| 305207661 | XXXXX | DSCR | XXX | XXX | TIA matches CD XXX PI discrepancy; Monthly Breakdown: Income XXX / $PITIA XXX | |
| 305207660 | XXXXX | DSCR | XXX | XXX | Monthly Breakdown: Income XXX / PITIA XXX | |
| 305213258 | XXXXX | DSCR | XXX | XXX | Monthly Breakdown: Income XXX / PITIA XXX | |
| 305214090 | XXXXX | DSCR | XXX | XXX | Utilizing Lease rent for monthly income XXX / PITIA XXX | |
| 305120677 | XXXXX | DSCR | XXX | XXX | XXX Mkt Rent / XXX PITIA = XX/XX/XXXX DSCR | |
| 305122627 | XXXXX | DSCR | XXX | XXX | XXX Lease Rent/ XXX = XX/XX/XXXX DSCR | |
| 305122626 | XXXXX | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR | |
| 305194456 | XXXXX | DSCR | XXX | XXX | XXX Mkt Rent / XXX PITIA = XX/XX/XXXX DSCR | |
| 305156572 | XXXXX | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XX/XX/XXXX DSCR | |
| 305172500 | XXXXX | DSCR | XXX | XXX | XXX Mkt Rent / XXX PITIA = XX/XX/XXXX DSCR | |
| 305194472 | XXXXX | DSCR | XXX | XXX | XXX Rent/ XXX PITIA = XX/XX/XXXX DSCR | |
| 305207661 | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX | |
| 305207660 | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Note & Change of circumstance letter reflects XXX | |
| 305227372 | XXXXX | Loan Purpose | XXX | XXX | Delayed Finance | |
| 305207661 | XXXXX | LTV | 80.00% | 75.00% | ||
| 305207660 | XXXXX | LTV | 80.00% | 75.00% | XXX / Qualifying value XXX | |
| 305216745 | XXXXX | LTV | 79.21% | 72.07% | LTV calculated using XXX qualifying value | |
| 305142428 | XXXXX | Monthly Taxes | XXX | XXX | Includes School taxes | |
| 305120677 | XXXXX | Monthly Taxes | XXX | XXX | Includes City taxes | |
| 305194456 | XXXXX | Monthly Taxes | XXX | XXX | Includes City taxes | |
| 305194472 | XXXXX | Monthly Taxes | XXX | XXX | Property and school taxes: XXX | |
| 305207661 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305207660 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305142428 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305120677 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305194456 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305194472 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305077923 | XXXXX | PITIA | XXX | XXX | Tape is only reflecting P&I | |
| 305102826 | XXXXX | PITIA | XXX | XXX | Includes monthly HOA fee of XXX | |
| 305172516 | XXXXX | PITIA | XXX | XXX | The tape is only reflecting P&I | |
| 305156439 | XXXXX | PITIA | XXX | XXX | The tape is only reflecting P&I | |
| 305172474 | XXXXX | PITIA | XXX | XXX | The tape is only reflecting P&I | |
| 305194339 | XXXXX | PITIA | XXX | XXX | The tape is only reflecting P&I | |
| 305190522 | XXXXX | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects Attached | |
| 305147630 | XXXXX | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal Reflects Attached | |
| 305210763 | XXXXX | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects XXX family attached | |
| 305122627 | XXXXX | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | XXX units | |
| 305122626 | XXXXX | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | XXX Units | |
| 305207661 | XXXXX | Qualifying FICO | XXX | XXX | Credit report reflects median FICO score of XXX | |
| 305176136 | XXXXX | Sales Price | XXX | XXX | HUD reflects XXX purchase price | |
| 305201271 | XXXXX | Qualifying FICO | XXX | XXX | ||
| 305201230 | XXXXX | DSCR | XXX | XXX | Monthly Breakdown: Income XXX / (PI XXX + Hazard Ins XXX + Tax $XXX) | |
| 305201268 | XXXXX | Qualifying FICO | XXX | XXX | ||
| 305201174 | XXXXX | Qualifying FICO | XXX | XXX | ||
| 305232740 | XXXXX | DSCR | XXX | XXX | XXX Rent / XXX | |
| 305232769 | XXXXX | DSCR | XXX | XXX | $XXX/$XXX | |
| 305232770 | XXXXX | DSCR | XXX | XXX | $XXX/$XXX | |
| 305106518 | XXXXX | DSCR | XXX | XXX | XXX / XXX | |
| 305106526 | XXXXX | DSCR | XXX | XXX | XXX Market Rent / XXX PITIA | |
| 305232768 | XXXXX | DSCR | XXX | XXX | $XXX/$XXX | |
| 305232769 | XXXXX | Gross Rent | XXX | XXX | Using lower lease rent of XXX | |
| 305232770 | XXXXX | Gross Rent | XXX | XXX | Missing XXX months rent receipts to utilize higher lease rent | |
| 305106518 | XXXXX | Gross Rent | XXX | XXX | Using appraisal market rent, property is vacant per appraisal | |
| 305106526 | XXXXX | Gross Rent | XXX | XXX | Subject is vacant. form 1007 shows market rents at XXX | |
| 305232768 | XXXXX | Gross Rent | XXX | XXX | Missing XXX months rent receipts to utilize higher lease rent | |
| 305232746 | XXXXX | Gross Rent | XXX | XXX | Missing XXX months rent receipts to utilize higher lease rent | |
| 305232769 | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX | |
| 305232770 | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX of XXX | |
| 305232768 | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX of XXX | |
| 305232769 | XXXXX | Loan Purpose | XXX | XXX | Cash to borrower less than XXX% XXX | |
| 305232768 | XXXXX | Loan Purpose | XXX | XXX | Cash to borrower less than XXX% XXX | |
| 305232769 | XXXXX | LTV | 79.07% | 75.00% | $XXX/$XXX | |
| 305232770 | XXXXX | LTV | 80.00% | 75.00% | $XXX/$XXX | |
| 305232768 | XXXXX | LTV | 80.00% | 75.00% | $XXX/$XXX | |
| 305241215 | XXXXX | Mo. Insurance | XXX | XXX | Insurance Receipt shows XXX annual premium | |
| 305232760 | XXXXX | Mo. Insurance | XXX | XXX | CA value only includes Hazard insurance while Tape value include Hazard and Flood | |
| 305232758 | XXXXX | Mo. Insurance | XXX | XXX | CA value only includes Hazard insurance while Tape value include Hazard and Flood | |
| 305232759 | XXXXX | Mo. Insurance | XXX | XXX | CA value only includes Hazard insurance while Tape value include Hazard and Flood | |
| 305232756 | XXXXX | Mo. Taxes | XXX | XXX | Tax Cert shows annual taxes of XXX | |
| 305232754 | XXXXX | Mo. Taxes | XXX | XXX | Tax Cert shows annual taxes of XXX | |
| 305232750 | XXXXX | Mo. Taxes | XXX | XXX | XXX Annual tax per estimate in file | |
| 305232760 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX | |
| 305106518 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX | |
| 305106526 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX | |
| 305232769 | XXXXX | P&I | XXX | XXX | matches first payment letter in file | |
| 305232770 | XXXXX | P&I | XXX | XXX | Note reflects XXX | |
| 305232768 | XXXXX | P&I | XXX | XXX | matches first payment letter in file | |
| 305241215 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax | |
| 305241213 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA | |
| 305232740 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax | |
| 305232769 | XXXXX | PITIA | XXX | XXX | matches first payment letter in file | |
| 305232770 | XXXXX | PITIA | XXX | XXX | Breakdown: P&I: XXX + Hazard: XXX + Taxes: XXX | |
| 305232768 | XXXXX | PITIA | XXX | XXX | matches first payment letter in file | |
| 305232762 | XXXXX | PITIA | XXX | XXX | Immaterial variance | |
| 305232756 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax | |
| 305232755 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Insurance + XXX HOA dues | |
| 305232754 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax | |
| 305232750 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax | |
| 305232769 | XXXXX | Qualifying FICO | XXX | XXX | Qualifying FICO is XXX | |
| 305232770 | XXXXX | Qualifying FICO | XXX | XXX | Utilizing lower FICO of both borrowers | |
| 305232768 | XXXXX | Qualifying FICO | XXX | XXX | Utilizing lower FICO of both borrowers | |
| 305176833 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per Work Visa and Foreign Passport. | |
| 305191409 | XXXXX | Borrower 1 Citizen | XXX | XXX | Perm Resident, ID on file | |
| 305176833 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003. | |
| 305191414 | XXXXX | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB | |
| 305191420 | XXXXX | Borrower 1 FTHB | XXX | XXX | Borrower 1-XXX are FTHB. | |
| 305191461 | XXXXX | Calculated DSCR | XXX | XXX | Updated PITI payment for subject. | |
| 305102496 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 the application date is XXX. | |
| 305142119 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD | |
| 305172780 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD | |
| 305194498 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | ||
| 305102496 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Lender's approval the subject loan is NonQM. | |
| 305142119 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval | |
| 305172477 | XXXXX | Credit QM/ATR Designation | XXX | XXX | QM - ATR Exempt, per investment refi. | |
| 305156539 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per the Lender's approval the subject loan is NonQM. | |
| 305156429 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per the Lender's approval the subject loan is NonQM. | |
| 305172780 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval | |
| 305156499 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. | |
| 305156434 | XXXXX | Credit QM/ATR Designation | XXX | XXX | QM -ATR EXEMPT | |
| 305194430 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per the Lender's approval the subject loan is NonQM. | |
| 305194408 | XXXXX | Credit QM/ATR Designation | XXX | XXX | As per Lender Approval "XXX" Updated | |
| 305194498 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per the Lender's approval and occupancy disclosure the subject property is an investment. | |
| 305102546 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval | |
| 305194215 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Updated as per Guidelines | |
| 305197564 | XXXXX | Credit QM/ATR Designation | XXX | XXX | XXX confirmed using guidelines. | |
| 305102546 | XXXXX | Loan Product Type | XXX | XXX | Per Note | |
| 305191443 | XXXXX | Property Type | Single Family Attached | Single Family Detached | Per appraisal | |
| 305232779 | XXXXX | Property Type | Two to Four Unit | Single Family Detached | This is a two unit property | |
| 305232777 | XXXXX | Property Type | Two to Four Unit | Single Family Detached | Verified XXX to the appraisal | |
| 305232775 | XXXXX | Property Type | Two to Four Unit | Single Family Detached | Verified with the appraisal | |
| 305157892 | XXXXX | Property Value | $XXX | $XXX | confirmed with XXX ana appraisal | |
| 305157828 | XXXXX | Property Value | $XXX | $XXX | Qualified with appraised value | |
| 305156429 | XXXXX | Property Value | $XXX | $XXX | Verified per the subject property appraisal, the value is XXX | |
| 305191486 | XXXXX | Qualifying FICO | XXX | XXX | Confirmed score using middle score. | |
| 305191441 | XXXXX | Qualifying FICO | XXX | XXX | Qualified using the Primary Wage Earner. | |
| 305191513 | XXXXX | Qualifying FICO | XXX | XXX | Confirmed on the credit report. | |
| 305191568 | XXXXX | Qualifying FICO | XXX | XXX | ||
| 305191402 | XXXXX | Qualifying FICO | XXX | XXX | ||
| 305241216 | XXXXX | Qualifying LTV | 61.22 | 60.00 | Confirmed, price is greater than value, using appraised value to calculate LTV. | |
| 305156499 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. The borrower provided several credit card account Statements, with the accounts paid in full or lower payments than reflected on the credit report. Audit included the lower payments and as a result, the Borrower's DTI was lower than the qualifying DTI. | |
| 305142119 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to departure residence rent payment captured incorrectly on XXX as XXX vs XXX calculated and verified on Final 1003 provided via trailing docs. | |
| 305194498 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX is due to the HOI payment for properties located at XXX/XXX XXX. Per the Final 1003, REO page, a combined total monthly payment of XXX for taxes, HOI, and HOA was used to qualify the subject loan transaction. Verified monthly tax payment as XXX and verified monthly HOI payment as $XXX. Per the Final 1003, REO page, a combined total monthly payment of XXX for taxes, HOI, and HOA was used to qualify the subject loan transaction. Verified monthly tax payment as XXX and verified monthly HOI payment as $XXX. The audit DTI of XXX does not exceed the max allowed DTI of XXX | |
| 305191431 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Total months reserves verified via asset docs. | |
| 305191411 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines | |
| 305191496 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided | |
| 305191399 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. Matches the Final 1003. | |
| 305191443 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines | |
| 305191499 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets with assets reviewed and verified. | |
| 305191477 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated per asset Statements. | |
| 305176839 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. | |
| 305191498 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the documented assets in the loan file. Matches the Final 1003. | |
| 305191461 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets updated number of reserves months. | |
| 305191426 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets | |
| 305191422 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets | |
| 305191430 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Based on documented assets in the loan file. | |
| 305191435 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. | |
| 305191420 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Total months reserves verified. | |
| 305191480 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Total months reserves verified. | |
| 305191478 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines | |
| 305157828 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | asset verified with all bank Statements and reserves are sufficient for cash to close | |
| 305191404 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines | |
| 305191513 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the final CD. Cash in hand. | |
| 305157892 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | updated as per guideline and matrix | |
| 305191402 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets taken from file | |
| 305191488 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Based on cash out proceeds. | |
| 305191472 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Using cash out proceeds per final CD. | |
| 305191495 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines | |
| 305191413 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided | |
| 305191455 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided | |
| 305191444 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided. | |
| 305157797 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX per assets provided in file. | |
| 305191462 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets including business bank account | |
| 305191417 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Value per appraisal and desk review is XXX | |
| 305191513 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Confirmed on the 1st appraisal. | |
| 305191403 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Reviewed appraisal amount base on property listed for sale XX/XX/XXXX. Used amount from sale in XXX of $XXX. | |
| 305232463 | XXXXX | Borrower 1 First Name | XXX | XXX | Borrowers first name is XXX | |
| 305232517 | XXXXX | Borrower 1 First Name | XXX | XXX | The borrower's first name verified in the file. | |
| 305232463 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Borrower Last Name is XXX | |
| 305232517 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | The borrower's Last Name verified in the file | |
| 305232463 | XXXXX | Qualifying FICO | XXX | XXX | The representative score for each borrower is the middle score when three XXX credit agency scores return and the higher score when two XXX credit agency scores return | |
| 305232463 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender XXX reflects primary payment PI XXX and added XXX or taxes and XXX for HOI. The actual is XXX which included taxes and insurance. This caused higher DTI |