Exhibit 99.8
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 305232736 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232737 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-08 06:46 | 2026-04-09 13:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Buyer-04/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx . - Due Diligence Vendor-04/08/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8543862 | ||||
| 305232738 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305191765 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-28 01:38 | 2026-04-29 06:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Buyer-04/28/2026 Open-Title Document is missing Subject Property Title document is Missing, Provide Subject Property Title document. - Due Diligence Vendor-04/28/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.77% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8910738 | ||||
| 305191783 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-28 06:43 | 2026-04-30 19:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Fraud report is present. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Resolved-Fraud report is present. - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.13 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.21 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.20 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8914884 | |||
| 305191783 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2026-04-28 16:09 | 2026-04-30 19:52 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-WD is present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/30/2026 Open-Property Title Issue Deed conveying subject from Trust to xxx and xxx . - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. - Seller-04/30/2026 |
Resolved-WD is present - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.13 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.21 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.20 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8930322 | |||
| 305214727 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232635 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305214502 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2026-05-27 08:49 | 2026-07-08 16:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Sorry for all the trouble but page 4 makes it much clearer where the amount came from. - Due Diligence Vendor-07/08/2026 Resolved-Property Tax Cert Provided - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. HOPEFULLY the last response........ 1. The xxx was determined by the xxx on the tax bill divided by 171 units. This estimate is very conservative compared to the spreadsheet that was uploaded last week. We received email confirmation today that the owners won't be assessed on their individual units until 2027 (email attached). And please refer to the folio number on the spreadsheet and tax bill and title commitment. They all match. Hopefully this will help clear this conditon. - Seller-07/08/2026 Counter-sorry but the estimate provided is almost twice as high as what was used and doesn't identify the subject property. So where did the xxx monthly (xxx annual) tax estimate come from. That's what we are trying to document. - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Let's try this hopefully for the last time......... - Seller-07/01/2026 Counter-How was the amount escrowed determined? The title company's calculation would be xxx monthly, besides it's for the uncompleted condo. Where are the calculations for the xxx used on the HUD1? Did someone use the xxx property website? - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. The spreadsheet that was uploaded yesterday is what we received from the title company. Email attached. Please clear. Thanks - Seller-07/01/2026 Counter-Thanks for the document but it's a tax worksheet for the 2025 property taxes on the uncompleted condo. What did the title company or lender use to determine estimated property taxes. Generally the title company has a worksheet or a printout of xxx county estimated property taxes. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Counter-Please provide the worksheet used to determine the property taxes. Usually there is a tax information sheet prepared by the title company showing estimated taxes. The only tax bill in file is for the whole building as you mentioned earlier and the larger amounts are the only tax amounts on the title commitment. - Due Diligence Vendor-06/22/2026 Ready for Review-Please escalate this to management. There isn't a tax cert for the individual unit yet. NEW CONSTRUCTION. Please use the estimate title used on the final HUD 1. - Seller-06/21/2026 Counter-Document Uploaded. Missing Tax cert for the Taxes for the subject loan - Lender used xxx per month, documentation to support the amount is missing. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see attached. NOTE: This is a brand-new condo, and the bill in the file is for the whole building. - Seller-06/07/2026 Counter-The Property Tax Cert reflects annual taxes as xxx / 12 = xxx per month - The Lender used xxx x 12 = xxx - Missing the Tax cert to support Lenders monthly tax amount - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Rebut-the tax bill, which is attached, is correct. Please see top of cert which shows what the seller paid in November. - Seller-05/31/2026 Open-Missing Property Tax Cert. Tax cert page no 1008 is showing tax amount $0.00. - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. HOPEFULLY the last response........ 1. The xxx was determined by the xxx on the tax bill divided by 171 units. This estimate is very conservative compared to the spreadsheet that was uploaded last week. We received email confirmation today that the owners won't be assessed on their individual units until 2027 (email attached). And please refer to the folio number on the spreadsheet and tax bill and title commitment. They all match. Hopefully this will help clear this conditon. - Seller-07/08/2026 Ready for Review-Document Uploaded. Let's try this hopefully for the last time......... - Seller-07/01/2026 Ready for Review-Document Uploaded. The spreadsheet that was uploaded yesterday is what we received from the title company. Email attached. Please clear. Thanks - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Ready for Review-Please escalate this to management. There isn't a tax cert for the individual unit yet. NEW CONSTRUCTION. Please use the estimate title used on the final HUD 1. - Seller-06/21/2026 Ready for Review-Document Uploaded. Please see attached. NOTE: This is a brand-new condo, and the bill in the file is for the whole building. - Seller-06/07/2026 Ready for Review-Document Uploaded. Rebut-the tax bill, which is attached, is correct. Please see top of cert which shows what the seller paid in November. - Seller-05/31/2026 |
Resolved-Sorry for all the trouble but page 4 makes it much clearer where the amount came from. - Due Diligence Vendor-07/08/2026 Resolved-Property Tax Cert Provided - Due Diligence Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9394549 | |||
| 305232727 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232732 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-07-01 04:51 | 2026-07-02 18:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-1003 is present - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Open-The Final 1003 is Incomplete Provided updated Final 1003 with the Correct borrower monthly qualify income. Also only received partial final 1003 for B1 - Due Diligence Vendor-07/01/2026 |
Resolved-1003 is present - Due Diligence Vendor-07/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.03 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10016004 | ||||
| 305232730 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-02 02:40 | 2026-07-06 14:08 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/02/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.71 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.72 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10035626 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FPRO1244 | 2026-06-04 10:32 | 2026-06-09 10:22 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. - Seller-06/08/2026 |
Resolved-Desk review provided - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9555603 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FPRO1242 | 2026-06-03 08:33 | 2026-06-09 10:22 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Appraisal is Missing - Missing primary appraisal. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525608 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1241 | 2026-06-03 08:33 | 2026-06-09 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-06/03/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525609 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE5116 | 2026-06-03 08:49 | 2026-06-08 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Both borrowers live rent free. B1 - home owned by husband only. B2 lives in free and clear property - documentation provided. - Seller-06/05/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide the below documents to verify Housing History for B1&B2- 1. B1 – Provide a signed rent-free letter from the property owner/landlord for xxx , confirming Borrower has resided at the property rent-free for the most recent 24-month housing history period. B2 – Provide a Verification of Mortgage (VOM) for the property located at xxx , as disclosed on the loan application. If the property was sold, refinanced, or otherwise transferred, provide supporting documentation evidencing the disposition and payment history, as applicable. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. Both borrowers live rent free. B1 - home owned by husband only. B2 lives in free and clear property - documentation provided. - Seller-06/05/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526002 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE5770 | 2026-06-03 08:49 | 2026-06-08 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Borrower 1 Credit Report is Missing. Provide Complete Credit Report document for B1 to verify Credit scores, Tradelines and any derogatory events. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525997 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE5771 | 2026-06-03 08:49 | 2026-06-08 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Borrower 2 Credit Report is Missing. Provide Complete Credit Report document for B2 to verify Credit scores, Tradelines and any derogatory events. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525998 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1202 | 2026-06-05 11:16 | 2026-06-08 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Open-Received page 1 of each fraud report. Please provide the whole complete fraud report for both borrowers - Due Diligence Vendor-06/05/2026 Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/05/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9580869 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1201 | 2026-06-03 08:39 | 2026-06-08 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/08/2026 Resolved- - Due Diligence Vendor-06/05/2026 Counter-Received page 1 of each fraud report. Please provide the whole complete fraud report for both borrowers - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Missing Third Party Fraud Report Provide Complete Third Party Fraud Report to verify all the High alerts , Variance and OFAC are been addressed. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525789 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE6843 | 2026-06-03 14:19 | 2026-06-05 11:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Missing proof of Earnest Money deposit receipt. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 693 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9538830 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1182 | 2026-06-03 09:01 | 2026-06-05 11:17 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary to verify loan terms. - Due Diligence Vendor-06/03/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526205 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1197 | 2026-06-03 14:18 | 2026-06-05 11:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-Audited FICO of is less than Guideline FICO of 640 Missing credit report. - Due Diligence Vendor-06/03/2026 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9538818 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1479 | 2026-06-03 08:56 | 2026-06-05 11:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Asset 1 Does Not Meet Guideline Requirements Provide complete asset documentation for xxx ending in xxx . Documentation must include the most recent account statements sufficient to verify ownership, account balances. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526121 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1480 | 2026-06-03 08:56 | 2026-06-05 11:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Asset 2 Does Not Meet Guideline Requirements Provide complete asset documentation for xxx account ending in xxx . Documentation must include the most recent account statements sufficient to verify ownership, account balances. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526122 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1728 | 2026-06-04 10:48 | 2026-06-05 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see page 2 of 7 for Market Rent Analysis completed by the appraiser - Seller-06/04/2026 Open-Missing form 1007 Single-Family Comparable Rent Schedule, completed by a licensed/certified appraiser. - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Please see page 2 of 7 for Market Rent Analysis completed by the appraiser - Seller-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 693 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9555976 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE1161 | 2026-06-03 08:36 | 2026-06-05 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Missing Flood Certificate Provide Complete Flood Certificate for subject Property -xxx - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525651 | |||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCRE8012 | 2026-06-03 09:24 | 2026-06-05 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is missing or unexecuted | Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Provide complete and executed Purchase Contract along with applicable addendums. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 693 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9526619 | ||||
| 305232731 | D | A | D | A | D | A | D | A | Closed | FCOM1231 | 2026-06-03 07:57 | 2026-06-05 10:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-The Initial 1003 is Missing Provide fully executed and completed initial 1003. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.7% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9525121 | |||
| 305232734 | 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 | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232735 | 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 | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232724 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-02 08:46 | 2026-07-07 14:11 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Buyer-07/07/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/02/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10039899 | ||||
| 305232729 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232700 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1182 | 2026-06-08 14:38 | 2026-07-09 17:31 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. 1008 attached - Seller-06/10/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. 1008 attached - Seller-06/10/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9613229 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1197 | 2026-06-08 14:38 | 2026-07-09 17:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-06/11/2026 Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 Open-Audited FICO of is less than Guideline FICO of 660 - Due Diligence Vendor-06/08/2026 |
Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9613230 | ||||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1258 | 2026-06-08 14:38 | 2026-07-09 17:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. 1008 attached - Seller-06/10/2026 Open-Please verify Collateral Underwriter Score Provided is actually Missing. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. 1008 attached - Seller-06/10/2026 |
Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9613231 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-06-08 11:24 | 2026-06-11 12:15 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/11/2026 Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 Open-Appraisal is Missing - Due Diligence Vendor-06/08/2026 |
Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9606842 | ||||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1161 | 2026-06-08 11:29 | 2026-06-11 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. flood cert attached - Seller-06/10/2026 Open-Missing Flood Certificate - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. flood cert attached - Seller-06/10/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
flood cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9607014 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1157 | 2026-06-08 11:29 | 2026-06-11 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Hazard insurance uploaded - Seller-06/10/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. Hazard insurance uploaded - Seller-06/10/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
hazard insurance.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9607015 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1201 | 2026-06-08 11:30 | 2026-06-11 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. fraud report attached - Seller-06/10/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. fraud report attached - Seller-06/10/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
fraud report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9607035 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE5770 | 2026-06-08 13:09 | 2026-06-11 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. CREDIT REPORT ATTACHED - Seller-06/10/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. CREDIT REPORT ATTACHED - Seller-06/10/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
CREDIT REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9610322 | |||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE5116 | 2026-06-08 13:09 | 2026-06-11 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/11/2026 Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Please check the credit package that was uploaded as it is in there. - Seller-06/10/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9610326 | ||||
| 305214732 | D | A | D | A | A | A | D | A | Closed | FCRE1467 | 2026-06-09 16:24 | 2026-06-11 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. statements attached - Seller-06/10/2026 Open-Provide asset statement for xxx . - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. statements attached - Seller-06/10/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9639837 | |||
| 305232677 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232673 | C | A | A | A | C | A | A | A | Closed | FCOM2186 | 2026-06-10 10:10 | 2026-07-08 07:39 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Docs received and updated. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. Please see attached re-recorded corrections thank you - Seller-07/08/2026 Counter-Missing page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Please see attached curative docs for review - per attorney mortgage will be recorded and xxx has the intent to re-record. Old Note Voided - Updated Note, Addendum, DOT, RIDERS PCCD executed by bwr post close. - Seller-07/01/2026 Open-The Closing Disclosure and Closing Instructions indicate that the loan is subject to a prepayment penalty. However, the executed Note and Deed of Trust included in the file do not contain any prepayment penalty provisions. As a result, a prepayment penalty calculation could not be completed on the Note review tab. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. Please see attached re-recorded corrections thank you - Seller-07/08/2026 Ready for Review-Document Uploaded. Please see attached curative docs for review - per attorney mortgage will be recorded and xxxxxxx has the intent to re-record. Old Note Voided - Updated Note, Addendum, DOT, RIDERS PCCD executed by bwr post close. - Seller-07/01/2026 |
Resolved-Docs received and updated. - Due Diligence Vendor-07/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9654208 | |||
| 305232674 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-06-08 07:51 | 2026-06-17 11:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-06/17/2026 Ready for Review-Please refer to xxx Program Guides. Minimum Loan Amount is xxx . - Seller-06/15/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx . No exceptions in file. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Please refer to xxx Program Guides. Minimum Loan Amount is xxx. - Seller-06/15/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9602200 | ||||
| 305232664 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-08 06:59 | 2026-06-11 14:27 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/10/2026 Open-1008/Underwriting Summary Not Provided Missing final 1008 - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-06/10/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/11/2026 |
1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9601086 | ||||
| 305232671 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232666 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232669 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-06-10 15:02 | 2026-06-19 06:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached - Good morning The agent provided the replacement cost in the amount of xxx this covers 100% of replacement cost , not sure if investor saw the RCE that was in the file Thank you - Seller-06/18/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Dwelling coverage on HOI is short xxx . Please provide policy that shows the difference made up. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. Please see attached - Good morning The agent provided the replacement cost in the amount of xxx this covers 100% of replacement cost , not sure if investor saw the RCE that was in the file Thank you - Seller-06/18/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.62% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9666933 | |||
| 305232662 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232665 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232672 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232670 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232667 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-06-11 08:41 | 2026-07-01 09:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-Per xxx guidelines, Foreign Nationals only need to have a two year housing history on the 1003 per credit guidelines. Borrowers have owned their current residence for 5 years. Verified with xxx that a mortgage or payment history does not need to be provided, just a two year housing history listed on the 1003 to meet xxx guidelines. - Seller-06/30/2026 Open-Missing evidence of Professional Investor Experience, first time investors ineligible. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Per xxx guidelines, Foreign Nationals only need to have a two year housing history on the 1003 per credit guidelines. Borrowers have owned their current residence for 5 years. Verified with xxx that a mortgage or payment history does not need to be provided, just a two year housing history listed on the 1003 to meet xxx guidelines. - Seller-06/30/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9684824 | |||||
| 305232667 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-09 02:24 | 2026-06-25 11:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lox from Insurance company stating, no claims were filed from xxx -xxx - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. No claims filed from xxx - Seller-06/25/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx . - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. No claims filed from xxx - Seller-06/25/2026 |
Resolved-Lox from Insurance company stating, no claims were filed from xxx - Due Diligence Vendor-06/25/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9620653 | |||
| 305232668 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232733 | D | A | D | A | C | A | A | A | Closed | finding-3939 | 2026-06-12 11:45 | 2026-06-25 15:31 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received lock confirmation - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-**** Mavent report provided shows a rate lock date of xxx . RLE was disclosed xxx . - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Received lock confirmation - Due Diligence Vendor-06/25/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.95% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 670.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9719155 | |||
| 305232733 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-06-11 10:53 | 2026-06-24 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-Provide tax cert for REO property - xxx . Tax certs in the file does not belong to this address. - Due Diligence Vendor-06/11/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.95% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 670.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9689430 | |||||
| 305232733 | D | A | D | A | C | A | A | A | Closed | FCRE2000 | 2026-06-11 09:59 | 2026-06-24 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Counter-Missing addendum to the Sales contract reflects the decrease is the sales price - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 Open-Purchase Contract is Partial copy. Provide purchase price addendum/corrected documentation for loan terms. Purchase price decreased from xxx to xxx . All docs provided shows purchase price xxx . Loan terms based on the new purchase price is required. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/24/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.95% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 670.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9687469 | |||
| 305232627 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232603 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232630 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232633 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232626 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232811 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232631 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232624 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232629 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-06-16 14:56 | 2026-07-07 15:20 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for property located in declining market requiring LTV reduction. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Exception approved - Seller-07/07/2026 Counter-Exception approval (not request) should come from lender (xxx ), xxx does not make exception approvals. That is conducted between lenders. Thank you. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Counter-an Exception request was provided however, Approval for exception requests would come from the Lender. xxx does not approve these requests - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75%. Appraisal states property is in a declining market and exception was not provided - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. Exception approved - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Waived-Lender exception for property located in declining market requiring LTV reduction. - Due Diligence Vendor-07/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Reserves > 18 months Credit score of xxx Great housing history of 0x30x36+ |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | 9774117 | ||
| 305232629 | D | B | D | B | A | A | A | A | Closed | FCRE1182 | 2026-06-15 09:44 | 2026-06-18 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. 1008 - Seller-06/17/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. 1008 - Seller-06/17/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9743874 | |||
| 305232632 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232625 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232628 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232634 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2026-06-15 08:06 | 2026-06-23 12:40 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) . Provide an AVM, CDA, Field review or second full appraisal as required per guidelines for appraisal review process. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-Desk review provided - Due Diligence Vendor-06/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9742138 | |||
| 305232634 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-06-14 23:56 | 2026-06-23 12:39 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present . Provide completion report to evidence installation of a smoke detector in the kitchen and installation of a CO detector near the sleeping rooms and in the basement close to the furnace as seen on the appraisal. Subject to review and possible additional conditions. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9736955 | |||
| 305232623 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-15 15:30 | 2026-06-26 08:41 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx . Final charge to borrower is xxx . There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.******The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 81.51% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.40 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9753062 | |||
| 305232623 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-15 15:30 | 2026-06-26 08:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 Ready for Review-COC's uploaded with supporting documentation - Seller-06/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx . Final charge to borrower is xxx . There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.******The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
Ready for Review-COC's uploaded with supporting documentation - Seller-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 81.51% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.40 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9753063 | ||||
| 305232623 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-06-15 15:30 | 2026-06-26 08:41 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received COC - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx ) exceed the comparable charges (xxx ) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ****Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx . Final charge to borrower is xxx . There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/24/2026 |
Resolved-**Received COC - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 81.51% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.40 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9753064 | |||
| 305232726 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232695 | D | A | D | A | A | A | C | A | Closed | FCRE1167 | 2026-06-18 05:06 | 2026-06-23 14:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. hoa hazard insurance - Seller-06/22/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. hoa hazard insurance - Seller-06/22/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum Original LTV Of 59.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 177.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9811235 | |||
| 305232695 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2026-06-18 05:01 | 2026-06-23 14:00 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum Original LTV Of 59.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 177.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9811213 | |||
| 305232695 | D | A | D | A | A | A | C | A | Closed | FCRE1814 | 2026-06-22 09:21 | 2026-06-23 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-EIN provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Evidence of xxx EIN - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-EIN provided - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum Original LTV Of 59.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 177.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9861222 | |||
| 305232694 | C | A | C | A | A | A | C | A | Closed | FCRE1167 | 2026-06-18 06:14 | 2026-06-23 14:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. hazard hoa statement - Seller-06/22/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. hazard hoa statement - Seller-06/22/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum Original LTV Of 59.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 176.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9812856 | |||
| 305232694 | C | A | C | A | A | A | C | A | Closed | FPRO1136 | 2026-06-18 06:08 | 2026-06-23 14:17 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. final inspection - Seller-06/22/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. final inspection - Seller-06/22/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum Original LTV Of 59.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 176.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9812785 | |||
| 305232703 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232602 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-06-23 14:14 | 2026-06-24 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Buyer-06/24/2026 Open-Third Party Fraud Report Partially Provided. Need a full fraud report from xxx, Data Verify, or xxx. - Due Diligence Vendor-06/23/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9896338 | ||||
| 305232596 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305214715 | C | A | C | A | A | A | A | A | Closed | FCRE1493 | 2026-06-24 16:47 | 2026-06-30 22:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-No exception is needed nor required, this is allowed under guides section 7.4, xxx Guidelines xxx.docx - Due Diligence Vendor-07/01/2026 Counter-Document Uploaded. The Exception form provided does not state if the Exception was approved. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-The lender exception provided in the loan file is not complete. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-No exception is needed nor required, this is allowed under guides section xxx - Due Diligence Vendor-07/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 40.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9923525 | |||
| 305232728 | 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 | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 305232723 | D | A | D | A | C | A | A | A | Closed | FCOM3715 | 2026-06-25 15:17 | 2026-07-09 10:29 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Note terms are incorrect | Resolved- - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Buyer-07/08/2026 Open-The Note provided in file does not reflect an Interest Only term. Per the Final CD, IO term in place. Provide Note stating Interest only 120 including payments as stated executed final closing disclosure. - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.62 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9942651 | |||||
| 305232723 | D | A | D | A | C | A | A | A | Closed | FCRE1241 | 2026-06-25 15:20 | 2026-06-26 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase addendum provided - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Buyer-06/26/2026 Open-Provided addendum showing sale price xxx . - Due Diligence Vendor-06/25/2026 |
Resolved-Purchase addendum provided - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.62 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9942675 | ||||
| 305232554 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-06-29 12:38 | 2026-07-09 09:07 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Seller-07/08/2026 Open-Borrower is a Permanent Resident Alien - Missing Valid PRCA card - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
Perm Resident Card.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 9981957 | ||||
| 305232551 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232549 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232552 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232550 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182138 | C | B | C | B | A | A | A | A | Closed | FCRE2201 | 2026-06-29 11:17 | 2026-07-10 13:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client provided guideline exception based on comp factors provided. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Counter-Missing an Approved Lender exception with compensating factor addressing the Guideline seasoning requirement not met for Cash-Out. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Property was acquired on xxx. Guideline seasoning requirement not met for Cash-Out. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Waived-Client provided guideline exception based on comp factors provided. - Due Diligence Vendor-07/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years |
DSCR > 1.25; FICO xxx. LTV 10% less than program maximum. Experienced investor. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9979991 | ||
| 305232553 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232547 | C | A | C | A | A | A | A | A | Closed | FCRE1118 | 2026-06-29 11:53 | 2026-07-21 16:17 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Note signed by Member received, personal guaranty already in file. - Due Diligence Vendor-07/21/2026 Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. - Seller-07/20/2026 Open-Per the DOT, the Loan is vested in xxx, however the Signature page only reflects Individual signatures - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/20/2026 |
Resolved-Note signed by Member received, personal guaranty already in file. - Due Diligence Vendor-07/21/2026 Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9981101 | |||
| 305232546 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-06-29 10:07 | 2026-06-30 13:58 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. CDA - Seller-06/30/2026 Open-Fannie and Freddie not eligible. Provide 3rd party valuation. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. CDA - Seller-06/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9978737 | ||||
| 305232548 | D | A | C | A | A | A | D | A | Closed | FCRE1200 | 2026-06-29 11:37 | 2026-07-01 12:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-07/01/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Per Investor Tape, Using xxxxxxxxx, yet 1008 notes states using xxx? will need to address discrepancy or get exception for loan amt and update 1008 - Due Diligence Vendor-06/29/2026 |
Resolved-Audited Loan Amount of xxx is greater than or equal to the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-07/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9980783 | |||||
| 305232548 | D | A | C | A | A | A | D | A | Closed | FPRO1244 | 2026-06-29 12:19 | 2026-07-01 11:44 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached - Seller-06/30/2026 Open-Subject Loan is an Investment - Missing 3rd party Valuation to support Appraisal value - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-06/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9981541 | ||||
| 305182445 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-26 09:53 | 2026-07-02 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Please be Advise we used Debt Monitoring Servicing with Data Verify and it was stopped on xxx 2 days prior to closing. Also advise the inquiry notification are credit bureau and you can confirm with the earlier credit agency report. - Seller-07/01/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/26/2026 |
Ready for Review-Document Uploaded. Please be Advise we used Debt Monitoring Servicing with Data Verify and it was stopped on xxx 2 days prior to closing. Also advise the inquiry notification are credit bureau and you can confirm with the earlier credit agency report. - Seller-07/01/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/02/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9955310 | |||
| 305232720 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-29 12:55 | 2026-07-16 15:39 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9982227 | ||||
| 305232720 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-07-02 13:05 | 2026-07-16 00:11 | Resolved | 1 - Information | A | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-Processor cert/LOE stating "borrower acknowledged the amendment by initialing the changes made on page 1 of the disclosure", has been provided. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Counter-***Received "Amended" xxx Per Diem Disclosure now showing borrower agreed to paying additional per diem interest. However, page 2 with the borrower's signature line appears to be the same signature as that of the original document. Lender to provide explanation and clarification - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/13/2026 Counter-xxx per diem disclosure provided in loan package shows the borrower indicated " Please arrange for the disbursement of the loan proceeds on a day immediately following a business day". PCCD provided charges borrower interest from xxx to xxx, with a disbursement date of xxx. This does not comply to the borrower selection and xxx Code, Civil Code - CIV § 2948.5 - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open- - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/13/2026 |
Resolved-Processor cert/LOE stating "borrower acknowledged the amendment by initialing the changes made on page 1 of the disclosure", has been provided. - Due Diligence Vendor-07/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10046335 | |||
| 305232701 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232696 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232637 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-01 10:43 | 2026-07-07 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Buyer-07/07/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/01/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10022610 | ||||
| 305214718 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232600 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182501 | D | A | D | A | C | A | C | A | Closed | finding-3634 | 2026-07-06 05:26 | 2026-07-22 13:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 Resolved- - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see the attached. - Seller-07/21/2026 Counter-***Received COC with date of change of xxx for rate extension. Mavent report in the original file indicates rate was re-locked on or about xxx. The original file does not contain a revised CD issued within 3 business days of xxx. Lender to provide confirmation of the correct re-lock date and an explanation. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Counter-A COC form has been provided, detailing the relock as the event for the increase to the Discount Points. However, the tolerance violation remains for timing. ****A Locked Revised Closing Disclosure Disclosure, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Copy of refund check, PCCD, LOE and proof of delivery is required. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/08/2026 Counter-**Received COC dated xxx. However, the Discount Points increased again since xxx as disclosed in the Final CD. We are still missing a valid COC in relation to the subsequent increase. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Attached please find COC - Seller-07/06/2026 Open-The following charges have been increased Loan Amount (Points) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added or increased : Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Please see the attached. - Seller-07/21/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/08/2026 Ready for Review-Document Uploaded. Attached please find COC - Seller-07/06/2026 |
Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
COC CD (1).pdf RELOCK CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10057905 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | finding-3631 | 2026-07-06 05:26 | 2026-07-22 13:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see the attached - Seller-07/21/2026 Counter-***Received COC with date of change of xxx for rate extension. Mavent report in the original file indicates rate was re-locked on or about xxx. The original file does not contain a revised CD issued within 3 business days of xxx. Lender to provide confirmation of the correct re-lock date and an explanation. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Counter-A COC form has been provided, detailing the relock as the event for the increase to the Discount Points. However, the tolerance violation remains for timing. ****A Locked Revised Closing Disclosure Disclosure, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Copy of refund check, PCCD, LOE and proof of delivery is required. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 Counter-**Received COC dated xxx. However, the Discount Points increased again since xxx as disclosed in the Final CD. We are still missing a valid COC in relation to the subsequent increase. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. attached please find COC - Seller-07/06/2026 Open-The following charges have been increased Loan Amount (Points) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Please see the attached - Seller-07/21/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 Ready for Review-Document Uploaded. attached please find COC - Seller-07/06/2026 |
Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
COC CD (1).pdf RELOCK CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10057906 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | finding-3632 | 2026-07-06 05:26 | 2026-07-22 13:01 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2026 Counter-***Received COC with date of change of xxx for rate extension. Mavent report in the original file indicates rate was re-locked on or about xxx. The original file does not contain a revised CD issued within 3 business days of xxx. Lender to provide confirmation of the correct re-lock date and an explanation. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Counter-A COC form has been provided, detailing the relock as the event for the increase to the Discount Points. However, the tolerance violation remains for timing. ****A Locked Revised Closing Disclosure Disclosure, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. Copy of refund check, PCCD, LOE and proof of delivery is required. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/08/2026 Counter-**Received COC dated xxx. However, the Discount Points increased again since xxx as disclosed in the Final CD. We are still missing a valid COC in relation to the subsequent increase. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. coc attached - Seller-07/06/2026 Open-The following charges have been increased Loan Amount (Points) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Ready for Review-Document Uploaded. please see attached - Seller-07/08/2026 Ready for Review-Document Uploaded. coc attached - Seller-07/06/2026 |
Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
COC CD (1).pdf RELOCK CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10057907 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | finding-3939 | 2026-07-08 13:27 | 2026-07-22 13:01 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 Resolved- - Due Diligence Vendor-07/22/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2026 Counter-***Received COC with date of change of xxx for rate extension. Mavent report in the original file indicates rate was re-locked on or about xxx. The original file does not contain a revised CD issued within 3 business days of xxx. Lender to provide confirmation of the correct re-lock date and an explanation. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 Open-A Locked Revised Closing Disclosure Disclosure, advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx. - Due Diligence Vendor-07/08/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-07/08/2026 Open- - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/21/2026 Ready for Review-Document Uploaded. Sorry team please see attached the correct COC. - Seller-07/16/2026 |
Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
COC CD (1).pdf RELOCK CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10126029 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | finding-3545 | 2026-07-22 12:52 | 2026-07-22 13:01 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 Resolved- - Due Diligence Vendor-07/22/2026 Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 |
Resolved-***Received Revised CD - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10406925 | |||||
| 305182501 | D | A | D | A | C | A | C | A | Closed | FCRE6019 | 2026-07-02 10:15 | 2026-07-08 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-07/08/2026 Ready for Review-Patriot Act attached - Seller-07/08/2026 Counter-Please provide the Patriot Act form signed at closing and prepared by title company showing DL or passport used as ID. SS card also isn't signed. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. social security attached - Seller-07/06/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-07/02/2026 |
Ready for Review-Patriot Act attached - Seller-07/08/2026 Ready for Review-Document Uploaded. social security attached - Seller-07/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10042669 | ||||
| 305182501 | D | A | D | A | C | A | C | A | Closed | FCRE1316 | 2026-07-02 10:43 | 2026-07-07 06:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/07/2026 Resolved- - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. voe attached - Seller-07/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. voe attached - Seller-07/06/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10043375 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | FCRE1182 | 2026-07-02 11:04 | 2026-07-07 06:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. 1008 attached - Seller-07/06/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. 1008 attached - Seller-07/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10043782 | |||
| 305182501 | D | A | D | A | C | A | C | A | Closed | FPRO1137 | 2026-07-02 10:31 | 2026-07-07 06:20 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-07/07/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-07/02/2026 |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-07/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.13% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10043115 | |||||
| 305214703 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232597 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232659 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232658 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232657 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182474 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232661 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232598 | 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 | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 305232697 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232530 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241204 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-07-05 16:06 | 2026-08-24 14:46 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Please see attached completion report. - Seller-08/21/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing a completed 1004D for subject to items on the appraisal report. - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Please see attached completion report. - Seller-08/21/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-08/24/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 544.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10054728 | |||
| 305182090 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232534 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-07 11:01 | 2026-07-16 09:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.16 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/16/2026 Ready for Review-This loan was underwritten to xxx Guidelines that do not require any PITI Reserves for this loan profile. Please waive condition as it does not apply - Seller-07/14/2026 Open-Audited Reserves of 2.16 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-07/07/2026 Open-Audited Reserves of 2.16 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-07/07/2026 |
Ready for Review-This loan was underwritten to xxx Guidelines that do not require any PITI Reserves for this loan profile. Please waive condition as it does not apply - Seller-07/14/2026 |
Resolved-Audited Reserves of 2.16 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10096312 | ||||
| 305182209 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232532 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-07 14:15 | 2026-07-27 14:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 52.2 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Documentation already provided. xxx consists of xxx + xxx - xxx. - Seller-07/27/2026 Counter-Maybe duplicate. Missing documentation for initial deposit of xxx - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Total of all escrow deposits is xxx (xxx + xxx + xxx = xxx) and the xxx was held out of that total per the escrow receipt. There was not a separate withdrawal for xxx from borrower's account for this amount. - Seller-07/21/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Once the EMD is cleared and verified the borrower will have the required reserves. See asset condition - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Documentation already provided. xxx consists of xxx + xxx - xxx. - Seller-07/27/2026 Ready for Review-Document Uploaded. Total of all escrow deposits is xxx (xxx + xxx + xxx = xxx) and the xxx was held out of that total per the escrow receipt. There was not a separate withdrawal for xxx from borrower's account for this amount. - Seller-07/21/2026 |
Resolved-Audited Reserves of 52.2 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.69% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10101413 | |||
| 305232532 | C | A | C | A | A | A | A | A | Closed | FCRE6843 | 2026-07-07 14:19 | 2026-07-27 14:00 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Proof of EMD deposits provided. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Document Uploaded. Documentation already provided. xxx consists of xxx + xxx - xxx. - Seller-07/27/2026 Counter-Still missing documentation for the initial deposit of xxx, no bank statements, wire deposits or cancelled checks provided. - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Total of all escrow deposits is xxx (xxx + xxx + xxx = xxx) and the xxx was held out of that total per the escrow receipt. There was not a separate withdrawal for xxx from borrower's account for this amount. - Seller-07/21/2026 Open-Missing the bank statements showing the following earnest money deposits have been withdrawn from the borrowers bank account: xxx (one of these deposits) & xxx. Missing bank statement showing the additional deposit from the borrower of xxx has been withdrawn from the borrowers account. - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Document Uploaded. Documentation already provided. xxx consists of xxx + xxx - xxx. - Seller-07/27/2026 Ready for Review-Document Uploaded. Total of all escrow deposits is xxx (xxx + xxx + xxx = xxx) and the xxx was held out of that total per the escrow receipt. There was not a separate withdrawal for xxx from borrower's account for this amount. - Seller-07/21/2026 |
Resolved-Proof of EMD deposits provided. - Due Diligence Vendor-07/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.69% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10101488 | |||
| 305232529 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241205 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-07-06 02:06 | 2026-08-25 07:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Signed PUD Rider and LOE from Canopy provided - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. Please see attached copy of executed PUD rider Thank you - Seller-08/24/2026 Counter-Missing the Signed PUD Rider - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/05/2026 Counter-Thanks for the documents, please also provide the PUD rider being recorded. - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/03/2026 Open-PUD Rider is Missing pud rider is missing - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Please see attached copy of executed PUD rider Thank you - Seller-08/24/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/05/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/03/2026 |
Resolved-Signed PUD Rider and LOE from Canopy provided - Due Diligence Vendor-08/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10056469 | |||
| 305232533 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-07-07 12:33 | 2026-07-08 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 Open-Title Document is Incomplete Provide complete title report showing purchase date of subject property located at xxx - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
CHAIN OF TITLE.pdf Title.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10098938 | |||
| 305232699 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305182137 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182134 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232636 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305182358 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232653 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232577 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232576 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-07-08 15:43 | 2026-07-09 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Docs provided - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Buyer-07/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-07/08/2026 |
Resolved-Docs provided - Due Diligence Vendor-07/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 788.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10130976 | ||||
| 305232575 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-07-08 15:44 | 2026-07-09 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-docs provided - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Buyer-07/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-07/08/2026 |
Resolved-docs provided - Due Diligence Vendor-07/09/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 968.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10131018 | ||||
| 305232574 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232583 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-07-08 15:45 | 2026-07-09 11:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-docs provided - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Buyer-07/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-07/08/2026 |
Resolved-docs provided - Due Diligence Vendor-07/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 464.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10131063 | ||||
| 305232725 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182216 | C | A | C | A | A | A | A | A | Closed | FCRE0360 | 2026-07-10 09:48 | 2026-07-22 11:57 | Resolved | 1 - Information | C | A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-07/22/2026 Resolved-VOM provided, no 30 day lates - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. VOM from xxx shows delinquent xxx - but not over 30 days delinquent. Confirms no lates over 30 days from due date paid. Loan is now paid off, we could not get this prior to closing. I guess they are calling delinquent but not over 30 days so Mtg rating is 0x12x30. With borrowers strong credit and assets and overall loan dynamics we left this alone. - Seller-07/21/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOM or Credit Supplement for xxx to document satisfactory 12 month mortgage payment history. The loan was secured with the subject property, paid off at closing but the loan payment history is not reported in the Credit Report and the mortgage statement and statements for xxx only document xxx and xxx payments. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. VOM from xxx shows delinquent xxx - but not over 30 days delinquent. Confirms no lates over 30 days from due date paid. Loan is now paid off, we could not get this prior to closing. I guess they are calling delinquent but not over 30 days so Mtg rating is 0x12x30. With borrowers strong credit and assets and overall loan dynamics we left this alone. - Seller-07/21/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-07/22/2026 Resolved-VOM provided, no 30 day lates - Due Diligence Vendor-07/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10174610 | |||
| 305182130 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182331 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-07-10 17:09 | 2026-07-14 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Docs provided - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-07/13/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent - Due Diligence Vendor-07/10/2026 |
Resolved-Entity Docs provided - Due Diligence Vendor-07/14/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10187042 | ||||
| 305232573 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232495 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-07-20 15:42 | 2026-07-27 15:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted for .48% over LTV of 75% per program and recent property listing for sale. Compensating factors Noted: 1. Residence history 5 yrs or more 2. Reserves greater than guideline Minimum by 6 months or more 3. DSCR score higher than program minimum of 1.09 4. Appraised Value supports 70% LTV - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Buyer-07/27/2026 Open-Audited LTV of 75.48% exceeds Guideline LTV of 75% - Due Diligence Vendor-07/20/2026 |
Waived-Exception granted for .48% over LTV of 75% per program and recent property listing for sale. Compensating factors Noted: 1. Residence history 5 yrs or more 2. Reserves greater than guideline Minimum by 6 months or more 3. DSCR score higher than program minimum of 1.09 4. Appraised Value supports 70% LTV - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10360313 | ||||
| 305182343 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-07-10 02:02 | 2026-07-15 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-Received ICD - Due Diligence Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10164409 | |||
| 305182343 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-07-13 13:52 | 2026-07-15 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received ICD - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/13/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-Received ICD - Due Diligence Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10210377 | |||
| 305182343 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-07-13 13:52 | 2026-07-15 09:53 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received ICD - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/13/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-Received ICD - Due Diligence Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10210378 | |||
| 305182343 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-07-13 13:52 | 2026-07-15 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received ICD - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/13/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-Received ICD - Due Diligence Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10210376 | |||
| 305182343 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-07-13 13:52 | 2026-07-15 09:40 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/13/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 |
Resolved-***Received ICD - Due Diligence Vendor-07/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10210375 | |||
| 305232572 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-07-10 05:39 | 2026-07-13 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Docs provided - Due Diligence Vendor-07/13/2026 Ready for Review-Document Uploaded. - Buyer-07/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN The IRS Employer Identification Number (EIN) confirmation document is missing and must be provided. - Due Diligence Vendor-07/10/2026 |
Resolved-Entity Docs provided - Due Diligence Vendor-07/13/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 1221.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10168431 | ||||
| 305232565 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-07-10 13:41 | 2026-07-15 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Buyer-07/13/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-07/10/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-07/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 641.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10182377 | ||||
| 305241202 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-07-10 02:41 | 2026-07-21 19:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/21/2026 Resolved-Docs received - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. xxx Stmnt - Seller-07/20/2026 Open-Asset 2 Missing The investment statement for the xxx account ending in xxx, reflecting a balance of xxx, was not included in the loan file. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. xxx Stmnt - Seller-07/20/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/21/2026 Resolved-Docs received - Due Diligence Vendor-07/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 960.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 43.31% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10164953 | |||
| 305214922 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-07-10 08:25 | 2026-07-16 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Property - Seller-07/15/2026 Open-Mortgage Statement(s) Missing of Following Properties: xxx xxx xxx xxx xxx xxx for 2nd mortgage - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. Property - Seller-07/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 279.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10171596 | ||||
| 305214922 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-07-10 06:49 | 2026-07-16 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Income sheet - Seller-07/15/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Income sheet - Seller-07/15/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 279.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10169628 | |||
| 305214922 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-10 07:04 | 2026-07-16 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Fraud UDM - Seller-07/15/2026 Open-Borrower 1 Gap Credit Report is Missing. The gap credit report is to be dated within 30 days of the note date - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Fraud UDM - Seller-07/15/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 279.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10169984 | |||
| 305214922 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-10 06:39 | 2026-07-16 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Fraud - Seller-07/15/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Fraud - Seller-07/15/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 279.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10169288 | |||
| 305214922 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-07-10 07:14 | 2026-07-16 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Doc provided - Due Diligence Vendor-07/16/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. xxx - Seller-07/15/2026 Open-Asset 1 Missing Borrowers checking account statement, xxx, with an account balance of xxx is missing. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. xxx - Seller-07/15/2026 |
Resolved-Doc provided - Due Diligence Vendor-07/16/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.18 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 279.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10170187 | |||
| 305232522 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-10 06:05 | 2026-07-22 11:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 31.5 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/22/2026 Resolved-Sufficient assets - Due Diligence Vendor-07/22/2026 Ready for Review-Cash to Close per Final CD (dated xxx): xxx First Payment Letter PITI (No HOA Dues): xxx/mo. xxx -xxx =xxx/ xxx PITI = 31.46 mo. PITI Reserves. - Seller-07/21/2026 Ready for Review-We show Verified Assets at time of CTC of xxx less Final CD Cash to Close xxx = xxx Reserves / First Payment Letter PITI (No HOA Dues) xxx = 31.46 months of PITI Reserves. Please waive condition. - Seller-07/21/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/10/2026 |
Ready for Review-Cash to Close per Final CD (dated xxx): xxx First Payment Letter PITI (No HOA Dues): xxx/mo. xxx - xxx = xxx/ xxx PITI = 31.46 mo. PITI Reserves. - Seller-07/21/2026 Ready for Review-We show Verified Assets at time of CTC of xxx less Final CD Cash to Close xxx = xxx Reserves / First Payment Letter PITI (No HOA Dues) xxx = 31.46 months of PITI Reserves. Please waive condition. - Seller-07/21/2026 |
Resolved-Audited Reserves of 31.5 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/22/2026 Resolved-Sufficient assets - Due Diligence Vendor-07/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.93 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10168792 | ||||
| 305232522 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-07-10 05:50 | 2026-07-22 11:23 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-added back xxx moved earlier to title company to xxx account. - Due Diligence Vendor-07/22/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/22/2026 Ready for Review-We show Verified Assets at time of CTC of xxx less Final CD Cash to Close xxx= xxx.00 Reserves / First Payment Letter PITI (No HOA Dues) xxx = 31.46 months of PITI Reserves. Please waive condition. - Seller-07/21/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-07/13/2026 |
Ready for Review-We show Verified Assets at time of CTC of xxx less Final CD Cash to Close xxx = xxx Reserves / First Payment Letter PITI (No HOA Dues) xxx = 31.46 months of PITI Reserves. Please waive condition. - Seller-07/21/2026 |
Resolved-added back xxx moved earlier to title company to xxx account. - Due Diligence Vendor-07/22/2026 Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.93 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10168575 | ||||
| 305232522 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-10 05:24 | 2026-07-17 05:55 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Please see attached. Coverage exceeds replacement cost. - Seller-07/16/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Please see attached. Coverage exceeds replacement cost. - Seller-07/16/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.93 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10167066 | |||
| 305232528 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232599 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232526 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232523 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-10 05:43 | 2026-07-17 05:39 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Please see attached 1008. - Seller-07/15/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Please see attached 1008. - Seller-07/15/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10168477 | |||
| 305232578 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232579 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232564 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-07-14 05:48 | 2026-07-15 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. - Buyer-07/14/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing IRS Employer Identification Number (EIN) documentation. - Due Diligence Vendor-07/14/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-07/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 1097.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.42 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10224900 | ||||
| 305232561 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232558 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232525 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232524 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-07-14 10:17 | 2026-07-20 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Please see attached CD. - Seller-07/17/2026 Open-Asset 3 Missing ASSETS: CD/SS FROM SALE OF EXISTINGH OME:PROVIDE CERTIFIED COPY OF FINALCD/SETTLEMENT STATEMENT ON PROPERTY LOCATED AT xxx TO EVIDENCE NET PROCEEDS IN THE AMOUNT OF xxx AND SALE OF PROPERTY.*IFA CONCURRENT CLOSING PROVIDE ESTIMATEDCD/SS PRIOR TO CTC AND CERTIFIED FINAL COPYTO BE PROVIDED PTF* CD TO REFLECT PAYOFF OF MORTGAGE xxx. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. Please see attached CD. - Seller-07/17/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/20/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.29 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.29 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10232411 | |||
| 305232571 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 305232569 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182129 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305214597 | D | B | D | B | A | A | A | A | Closed | FCRE3653 | 2026-07-14 20:20 | 2026-07-20 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Rent Free Letter Provided - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-07/17/2026 Open-Evidence a Letter of Explanation (LOE), per GL, from the individual responsible for B2's current housing payment confirming B2 is residing rent-free. Additional conditions may apply upon review. - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-07/17/2026 |
Resolved-Rent Free Letter Provided - Due Diligence Vendor-07/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
Rent Free Letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10247730 | |||
| 305214597 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-07-13 08:11 | 2026-07-20 12:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: An exception has been granted for Audited LTV of 75% exceeds Guideline LTV of 60%. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Hello team, please see attached and help waive condition. Thank you. - Seller-07/17/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 60% Provide documentation supporting guideline eligibility. Audit Review identified an LTV of 75.00%, which exceeds the 60.00% maximum LTV permitted for a DSCR Cash-Out transaction with a DSCR ≥ 1.00. Per GL, the lowest representative FICO is used when there are multiple borrowers; Audit Review calculated a representative FICO of xxx. Additional conditions may apply upon review. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Hello team, please see attached and help waive condition. Thank you. - Seller-07/17/2026 |
Waived-Exception granted with supporting comp factors: An exception has been granted for Audited LTV of 75% exceeds Guideline LTV of 60%. - Due Diligence Vendor-07/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10201974 | ||
| 305214597 | D | B | D | B | A | A | A | A | Closed | FCRE1815 | 2026-07-14 20:20 | 2026-07-20 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Verification of EIN provided - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-07/17/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Evidence documentation confirming the EIN xxx for xxx. The EIN documentation is required to validate the borrowing entity. Additional conditions may apply upon review. - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-07/17/2026 |
Resolved-Verification of EIN provided - Due Diligence Vendor-07/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10247728 | |||
| 305232652 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232582 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-07-14 00:50 | 2026-07-17 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Lender provided update that property is SFR not PUD, using memo in lieu of corrected appraisal. - Due Diligence Vendor-07/17/2026 Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Property profile provided to show property is not a PUD. - Buyer-07/16/2026 Open-PUD Rider is Missing The Planned Unit Development (PUD) Rider was not found in the loan file. The appraisal identifies the subject property as a Planned Unit Development (PUD) (see page 18). Please provide the executed PUD Rider or documentation supporting its omission, as applicable. - Due Diligence Vendor-07/14/2026 |
Resolved-Lender provided update that property is SFR not PUD, using memo in lieu of corrected appraisal. - Due Diligence Vendor-07/17/2026 Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-07/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 614.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.92 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10220431 | ||||
| 305232559 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-07-14 05:51 | 2026-07-16 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-docs provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. - Buyer-07/14/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing IRS Employer Identification Number (EIN) documentation. - Due Diligence Vendor-07/14/2026 |
Resolved-docs provided - Due Diligence Vendor-07/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 1438.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10224938 | ||||
| 305232557 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-07-14 14:58 | 2026-07-17 06:57 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Provided FHLMC SSR with Score of 1 - Buyer-07/16/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-07/14/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.42 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 926.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10243508 | |||||
| 305214990 | C | A | C | A | A | A | A | A | Closed | FCRE1443 | 2026-07-14 05:37 | 2026-07-20 16:00 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Expired | Resolved-VOD present - Due Diligence Vendor-07/20/2026 Counter-Please confirm if valid date is opening date. Otherwise it appears to be a xxx confirmation of an account with an active balance in xxx. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello Team, In xxx, dates are written in the Day-Month-Year (DD/MM/YYYY) order. Please see page 2 of the document showing VOD is verified on xxx. Thank you - Seller-07/14/2026 Open-Asset 2 Expired. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. Hello Team, In xxx, dates are written in the Day-Month-Year (DD/MM/YYYY) order. Please see page 2 of the document showing VOD is verified on xxx. Thank you - Seller-07/14/2026 |
Resolved-VOD present - Due Diligence Vendor-07/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10224612 | |||
| 305214652 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305214825 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232515 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-07-16 05:04 | 2026-07-22 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2026 Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Bank Statement worksheet reflecting all deposits and excluded deposits - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-07/21/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/22/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.07 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.72% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10282003 | |||
| 305182389 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232650 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-07-16 09:47 | 2026-07-27 08:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: Exception Approved for The loan-to-value (LTV) ratio exceeds the maximum permitted under xxx internal Non-QM DSCR guideline matrix for this loan's parameters. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Seller-07/24/2026 Counter-Missing Approved Exception form showing Compensating factors, the Document provided does not list Comp Factors - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. - Buyer-07/17/2026 Open-Audited LTV of 72.13% exceeds Guideline LTV of 70%. no exception approval for LTV > 70% noting in file for cash out on 2-4 unit - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. - Seller-07/24/2026 |
Waived-Exception granted with supporting comp factors: Exception Approved for The loan-to-value (LTV) ratio exceeds the maximum permitted under xxx guideline matrix for this loan's parameters. - Due Diligence Vendor-07/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
• Strong debt-service coverage: DSCR above 1.20, exceeding the top-tier DSCR ≥ 1.00 band. • Excellent credit: representative FICO score of xxx. • Substantial reserves: xxx in verified assets, well in excess of program reserve requirements. • Investor acceptance: xxx approved the LTV in writing with no price adjustment. • Overall file strength: high-quality borrower profile and well-documented loan file. |
exception.pdf Exception req.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 10289663 | ||
| 305232650 | C | B | C | B | A | A | A | A | Closed | FCRE1183 | 2026-07-16 09:47 | 2026-07-20 13:57 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. - Buyer-07/17/2026 Open-1008/Underwriting Summary Partially Provided - Loan amount and interest rate not matching. no exception for LTV > 70% - Due Diligence Vendor-07/16/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10289659 | ||||
| 305232650 | C | B | C | B | A | A | A | A | Closed | FCRE1167 | 2026-07-16 09:04 | 2026-07-20 13:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. The dec page states it is replacement cost, property is fully covered - Seller-07/17/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. The dec page states it is replacement cost, property is fully covered - Seller-07/17/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10288829 | |||
| 305232502 | D | A | C | A | D | A | A | A | Closed | FCRE1143 | 2026-07-16 20:49 | 2026-07-27 08:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-New project with condo docs and budget in file. Project has > 50% sales - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Please see attached condo review and lox for condo turnover. - Seller-07/22/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. Please see attached condo review and lox for condo turnover. - Seller-07/22/2026 |
Resolved-New project with condo docs and budget in file. Project has > 50% sales - Due Diligence Vendor-07/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10308860 | |||
| 305232502 | D | A | C | A | D | A | A | A | Closed | FCOM1229 | 2026-07-16 20:49 | 2026-07-27 08:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. 1-4 Rider not required as Assignment of Rents is provided. - Seller-07/24/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. 1-4 Rider not required as Assignment of Rents is provided. - Seller-07/24/2026 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10308858 | |||
| 305232502 | D | A | C | A | D | A | A | A | Closed | FCOM1224 | 2026-07-16 20:49 | 2026-07-27 08:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-The Condo Rider is Present - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Please see Condo Rider. - Seller-07/24/2026 Open-Condo Rider is Missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. Please see Condo Rider. - Seller-07/24/2026 |
Resolved-The Condo Rider is Present - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10308859 | |||
| 305232502 | D | A | C | A | D | A | A | A | Closed | FCOM1220 | 2026-07-16 19:54 | 2026-07-27 07:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Please see attached DOT, Assignment of Rents, and Riders. - Seller-07/24/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. Please see attached DOT, Assignment of Rents, and Riders. - Seller-07/24/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10308105 | |||
| 305232638 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232511 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232514 | C | B | C | B | A | A | A | A | Closed | FCRE3874 | 2026-07-16 23:14 | 2026-07-28 16:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception received by investor post close. Compensating factors noted: 1. Exceptional Mortgage History 0x30x70 2. xxx residual income 3. 6 months reserves or great than required by program. 4. 5 Yrs or more residence history 5. Qualifying FICO is greater than minimum requirement by twenty(20) or more points. 6. 5 Yr Stable employment and 10yr same profession. 7. Credit usage ratio is twenty five percent (25%) or less - Due Diligence Vendor-07/28/2026 Ready for Review-xxx A Exception Request was sent to PHL for Approval - Seller-07/28/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-07/17/2026 |
Ready for Review-xxx A Exception Request was sent to xxx for Approval - Seller-07/28/2026 |
Waived-Exception received by investor post close. Compensating factors noted: 1. Exceptional Mortgage History 0x30x70 2. xxx residual income 3. 6 months reserves or great than required by program. 4. 5 Yrs or more residence history 5. Qualifying FICO is greater than minimum requirement by twenty(20) or more points. 6. 5 Yr Stable employment and 10yr same profession. 7. Credit usage ratio is twenty five percent (25%) or less - Due Diligence Vendor-07/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 10310003 | |||
| 305232501 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232504 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232506 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-07-20 09:20 | 2026-07-22 13:14 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. Please see attached CDA. - Seller-07/22/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. Please see attached CDA. - Seller-07/22/2026 |
Resolved-Desk review provided - Due Diligence Vendor-07/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10349435 | |||
| 305232503 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232510 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-17 01:04 | 2026-07-24 14:03 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 1008 - Seller-07/24/2026 Open-1008/Underwriting Summary Not Provided 1008 is missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. 1008 - Seller-07/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10311290 | |||
| 305232509 | C | A | C | A | A | A | A | A | Closed | FCRE1143 | 2026-07-17 06:33 | 2026-07-22 17:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-HOA Questionnaire is present - Due Diligence Vendor-07/22/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-07/17/2026 |
Resolved-HOA Questionnaire is present - Due Diligence Vendor-07/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10317013 | |||||
| 305232508 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-07-20 09:21 | 2026-07-23 06:24 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU score - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Please see attached FNMA SSR showing CURS of 1. No CDA is required. - Seller-07/22/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. Please see attached FNMA SSR showing CURS of 1. No CDA is required. - Seller-07/22/2026 |
Resolved-CU score - Due Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 70.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 59.38% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10349454 | |||
| 305182388 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232563 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232555 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232507 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232513 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-07-17 10:02 | 2026-07-24 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Please see attached / SOS and internet search - Seller-07/24/2026 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. Please see attached / SOS and internet search - Seller-07/24/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-07/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.01 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10320669 | |||
| 305232512 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-17 12:17 | 2026-07-24 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. xxx Expires - Seller-07/24/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. xxx Expires - Seller-07/24/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.31% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10325006 | |||
| 305232512 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-07-17 12:17 | 2026-07-24 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. expires xxx - Seller-07/24/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/17/2026 |
Ready for Review-Document Uploaded. expires xxx - Seller-07/24/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/24/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.31% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10325007 | |||
| 305232500 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182336 | 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 | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305214946 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232586 | 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 | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 305232560 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182398 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-07-21 16:57 | 2026-07-23 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided new mortgages on 2nd home - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Only 2 liens, and xxx did the 2 loans, see attached DOT's The mtg statements were not ready yet - Seller-07/22/2026 Open-All 3 mortgage statements are missing for the property located at xxx. - Due Diligence Vendor-07/21/2026 |
Ready for Review-Document Uploaded. Only 2 liens, and xxx did the 2 loans, see attached DOT's The mtg statements were not ready yet - Seller-07/22/2026 |
Resolved-Lender provided new mortgages on 2nd home - Due Diligence Vendor-07/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.75 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10388194 | |||
| 305182534 | 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232693 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232464 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305214469 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182338 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182294 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305214437 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232675 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305214884 | 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 | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305232469 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-07-23 06:34 | 2026-07-29 10:41 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Seller-07/28/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/28/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 28.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.52 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 296.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 28.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10422322 | |||
| 305232467 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232468 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182259 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305214976 | D | A | D | A | A | A | A | A | Closed | FCRE1130 | 2026-07-23 09:18 | 2026-07-30 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-corrected PCCD, Payment Letter, Initial Escrow Account Disclosure, and Amortization Schedule to remove MI, have been provided - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. Hello, please see revised documents signed by the borrower. - Seller-07/29/2026 Counter-The PCCD provided is insufficient to demonstrate that the mortgage insurance (MI) in place at consummation was completely removed. A corrected Payment Letter, Initial Escrow Account Disclosure, and Amortization Schedule, along with proof of delivery, are required. - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. Hello, please see revised 1008, 1003 and PCCD showing the MI payment has been removed - Seller-07/28/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing *******Mortgage Insurance is Present but Mortgage Insurance Cert is missing. - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. Hello, please see revised documents signed by the borrower. - Seller-07/29/2026 Ready for Review-Document Uploaded. Hello, please see revised 1008, 1003 and PCCD showing the MI payment has been removed - Seller-07/28/2026 |
Resolved-corrected PCCD, Payment Letter, Initial Escrow Account Disclosure, and Amortization Schedule to remove MI, have been provided - Due Diligence Vendor-07/30/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10424825 | |||
| 305214787 | 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182333 | B | B | B | B | A | A | A | A | Closed | FCRE1198 | 2026-07-24 11:44 | 2026-07-27 13:11 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Open-Audited Reserves of 3.52 are less than Guideline Required Reserves of 6 Audited Reserves of 3.2 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/24/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.30 Years |
Approved Exception (pgs 307-308). Comp Factors: Mtg- Multiple accounts-no lates in the last 60 months; Other-Rate is dropping from 10.5%to 7.625% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 10452267 | |||||
| 305232580 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232810 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305214431 | B | B | B | B | A | A | A | A | Closed | FCRE1194 | 2026-07-29 11:13 | 2026-07-29 11:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 78.52% exceeds Guideline LTV of 75% Lender exception for LTV based on 5% reduction for being unleased. Subject recently remodeled or completed. - Due Diligence Vendor-07/29/2026 | Waived-Audited LTV of 78.52% exceeds Guideline LTV of 75% Lender exception for LTV based on 5% reduction for being unleased. Subject recently remodeled or completed. - Due Diligence Vendor-07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR > 1.0 0x30x24 paid as agreed on credit report. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10513419 | ||||
| 305214694 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232702 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182219 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232466 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232497 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-08-04 16:46 | 2026-08-05 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Buyer-08/05/2026 Open-Asset 1 Missing - xxx iao xxx - Due Diligence Vendor-08/04/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.92% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10625734 | ||||
| 305232497 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-08-04 16:46 | 2026-08-05 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Buyer-08/05/2026 Open-Asset 2 Missing - xxx iao xxx - Due Diligence Vendor-08/04/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.92% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10625735 | ||||
| 305241188 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232462 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241176 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305214415 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305214402 | B | B | B | B | A | A | A | A | Closed | FCRE1194 | 2026-08-05 07:52 | 2026-08-05 07:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for LTV on 2 unit, unleased properties. - Due Diligence Vendor-08/05/2026 | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for LTV on 2 unit, unleased properties. - Due Diligence Vendor-08/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 82.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR > 1.0 Multiple paid mortgage history |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10637281 | ||||
| 305214753 | C | B | C | B | A | A | A | A | Closed | FVAL7502 | 2026-08-06 11:35 | 2026-08-06 11:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception approved with compensating factors to allow or cash-out refinance, subject previously listed for sale and not seasoned at least one (1) month from the date of listing removal to the application date. Only delisted two days prior to application. Property is currently listed for rent for xxx. - Due Diligence Vendor-08/06/2026 Open-For cash-out refinances, properties previously listed for sale are to be seasoned at least one (1) month from the date of listing removal to the application date. - Due Diligence Vendor-08/06/2026 |
Waived-Exception approved with compensating factors to allow or cash-out refinance, subject previously listed for sale and not seasoned at least one (1) month from the date of listing removal to the application date. Only delisted two days prior to application. Property is currently listed for rent for xxx. - Due Diligence Vendor-08/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.94 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.67 Years |
DTI below 43%. Stability of employment over 5 years. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10667133 | ||||
| 305214406 | B | B | B | B | A | A | A | A | Closed | FCRE1200 | 2026-08-05 03:28 | 2026-08-07 10:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Min - xxx Sunject - xxx. exception approval pg 215 - Due Diligence Vendor-08/05/2026 | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Min - xxx Sunject - xxx. exception approval pg 215 - Due Diligence Vendor-08/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years |
Matrix allows 80% LTV for FICO and R/T. LTV is 35% below limit. Documented DSCR above 1.1. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 10631865 | ||||
| 305214770 | 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 | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 305232451 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305232449 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305232452 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241167 | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-08-13 06:29 | 2026-08-14 14:13 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-**Received PCCD with fee in correct section. - Due Diligence Vendor-08/14/2026 Resolved- - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please see attached LOX and PCCD, relocating the fee to Section A. - Seller-08/14/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ****Section B has the Tax Service fee paid to the Lender. Fees paid to the Lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the Lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. Please see attached LOX and PCCD, relocating the fee to Section A. - Seller-08/14/2026 |
Resolved-**Received PCCD with fee in correct section. - Due Diligence Vendor-08/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10784184 | |||
| 305241168 | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-08-12 16:33 | 2026-08-18 10:59 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-***Received corrected PCCD - Due Diligence Vendor-08/18/2026 Resolved- - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ****Section B has the Tax Service fee paid to the Lender. Fees paid to the Lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the Lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received corrected PCCD - Due Diligence Vendor-08/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 223.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10774978 | |||
| 305241169 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-08-07 12:21 | 2026-08-14 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved- - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Lease - Seller-08/13/2026 Open-Missing an executed lease agreement for xxx in the amount of xxx. - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. Lease - Seller-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10689002 | ||||
| 305232454 | 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305232453 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241171 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-08-13 04:58 | 2026-08-14 05:06 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. CDA - Seller-08/13/2026 Open-Appraisal is Missing Provide a valid Field Review/CDA or second appraisal in accordance with GL requirements to support full appraisal in file. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. CDA - Seller-08/13/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-08/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10781827 | |||
| 305241170 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-06 03:52 | 2026-08-13 19:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Docs provided - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/13/2026 Open-PROPERTY ADDRESS: 1)xxx 2)xxx Both property HOA missing - Due Diligence Vendor-08/06/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-08/13/2026 |
Resolved-Docs provided - Due Diligence Vendor-08/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10656810 | |||
| 305232450 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241187 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241172 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-08-11 01:10 | 2026-08-13 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Buyer-08/12/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10728391 | ||||
| 305241172 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-08-11 02:21 | 2026-08-13 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Buyer-08/12/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10729323 | ||||
| 305241175 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305241182 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241166 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241185 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241165 | D | A | C | A | C | A | D | A | Closed | FPRO9939 | 2026-08-14 06:57 | 2026-08-24 05:39 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided CU/LCA with score less than 2.5 - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-08/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10813207 | |||
| 305241165 | D | A | C | A | C | A | D | A | Closed | FPRO1244 | 2026-08-14 13:30 | 2026-08-24 05:39 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-Missing 3rd valuation - CU/LCA with score of 2.5 or less - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10822182 | ||||
| 305241165 | D | A | C | A | C | A | D | A | Closed | FPRO1245 | 2026-08-14 04:53 | 2026-08-24 05:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-1004D updated - Due Diligence Vendor-08/24/2026 Open-Primary Value Appraisal is Expired - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-Primary Value Appraisal is Expired Missing completion report. Primary Value Appraisal is Expired - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-1004D updated - Due Diligence Vendor-08/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10810875 | |||
| 305241165 | D | A | C | A | C | A | D | A | Closed | finding-3625 | 2026-08-14 11:26 | 2026-08-21 13:26 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-****Received PCCD - Due Diligence Vendor-08/21/2026 Resolved- - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ****Section B has the Tax Service fee paid to the Lender. Fees paid to the Lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the Lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-08/14/2026 Open- - Due Diligence Vendor-08/14/2026 Open- - Due Diligence Vendor-08/14/2026 Open- - Due Diligence Vendor-08/14/2026 Open- - Due Diligence Vendor-08/14/2026 Open- - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-****Received PCCD - Due Diligence Vendor-08/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10818326 | |||
| 305241160 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-08-14 14:55 | 2026-08-17 19:00 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. Please see attached valuation. - Seller-08/14/2026 Open-Missing 3rd party valuation - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Please see attached valuation. - Seller-08/14/2026 |
Resolved-Desk review provided - Due Diligence Vendor-08/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10823934 | |||
| 305241162 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241159 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-08-13 23:23 | 2026-08-18 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/17/2026 Open-Purchase Contract Is Missing Purchase Contract was not found in the file. Addendum was found on page 189 but not the full contract. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-08/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 88.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10808558 | |||
| 305241161 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-08-14 09:47 | 2026-08-21 10:11 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-08/21/2026 Resolved- - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-08/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10816169 | |||
| 305241163 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241164 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241179 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241181 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241173 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305241174 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241184 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241152 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241153 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305241155 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-08-21 04:02 | 2026-08-25 12:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. 1008 - Seller-08/24/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. 1008 - Seller-08/24/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10943600 | |||
| 305241154 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2026-08-21 07:35 | 2026-08-26 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-08/24/2026 Open-Missing Flood Insurance Policy. Per condo checklist there is flood insurance, but we need verification of this. Please send an updated condo master policy showing that it includes flood insurance or provide another flood insurance binder. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-08/24/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/26/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10947819 | |||
| 305232566 | C | B | C | B | A | A | A | A | Closed | FCRE5000 | 2026-10-02 17:28 | 2026-10-06 05:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Lender exception for number of mortgaged properties xxx has 12 loans - Due Diligence Vendor-10/06/2026 Ready for Review-Document Uploaded. - Buyer-10/05/2026 Open-Number of Mortgaged Properties is 18. Without an approved exception, xxx exposure is limited to the lesser of xxx or 10 financed properties. Borrower has 18 - Due Diligence Vendor-10/02/2026 |
Waived-Lender exception for number of mortgaged properties xxx has 12 loans - Due Diligence Vendor-10/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 918.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
6 months reserves greater than program requirement FICO 20 points above requirement xxx credit score 1.03 DSCR |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | 11718859 |