MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G
Exhibit 99.4 - Schedule 2
| Client Name: | ||||||
| Client Project Name: | MSRM 2026-NQM12 | |||||
| Start - End Dates: | 8/27/2025 - 8/18/2026 | |||||
| Deal Loan Count: | 166 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 166 | |||||
| Loans with Conditions: | 67 | |||||
| 4 - Total Active Conditions | ||||||
| 4 - Non-Material Conditions | ||||||
| 4 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Credit/Mtg History | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 122 - Total Satisfied Conditions | ||||||
| 84 - Credit Review Scope | ||||||
| 5 - Category: Application | ||||||
| 15 - Category: Assets | ||||||
| 7 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 12 - Category: Income/Employment | ||||||
| 9 - Category: Insurance | ||||||
| 20 - Category: Legal Documents | ||||||
| 9 - Category: Terms/Guidelines | ||||||
| 4 - Category: Title | ||||||
| 14 - Property Valuations Review Scope | ||||||
| 11 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 1 - Category: Property | ||||||
| 1 - Category: Value | ||||||
| 24 - Compliance Review Scope | ||||||
| 3 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Compliance Manual | ||||||
| 1 - Category: Documentation | ||||||
| 2 - Category: RESPA | ||||||
| 17 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 25 - Total Waived Conditions | ||||||
| 22 - Credit Review Scope | ||||||
| 2 - Category: Assets | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 4 - Category: Income/Employment | ||||||
| 4 - Category: LTV/CLTV | ||||||
| 8 - Category: Terms/Guidelines | ||||||
| 3 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 1 - Category: Property | ||||||
| ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
| Client Name: | |||
| Client Project Name: | MSRM 2026-NQM12 | ||
| Start - End Dates: | 8/27/2025 - 8/18/2026 | ||
| Deal Loan Count: | 166 | ||
| Conditions Report 2.0 | |||
| Loans in Report: | 166 | ||
| Loans with Conditions: | 67 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing assets to meet cash to close and reserve requirement. No asset statements were provided in loan file. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing assets to meet cash to close and reserve requirement. No asset statements were provided in loan file. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Missing asset documentation in the file. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing the credit report for each borrower. Credit report to include 12 month housing history for each borrower. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing the flood certification. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL5474 | Missing Prepayment Penalty Addendum | No | Missing Prepayment Penalty Addendum to Note. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing UW attestation stating whether the project is warrantable or non-warrantable (a comment on the 1008 suffices). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing the title report. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - XXX Comments: Missing credit report and assets to determine applicable comp factors. |
| 10357772 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The loan closed in an LLC and is missing the EIN, operating agreement, and articles of organization. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 793.86 months in reserves |
| 10357772 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The loan is missing the Pre-payment penalty to the note. | Seller provided an updated Rider showing the recorded PPP was 3%. XXX waived the PPP allowing the 3% penalty | Waived. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 793.86 months in reserves |
| 10326096 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 23.35 months of reserves CFCFS1741: Credit score exceeds guidelines - XXX Comments: 792 FICO | |||||||||||||||
| 10326097 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The PPP Term of 2 month's interest when a full or partial prepayment is made in any 12 month period that exceeds 1/3 of the original principal loan amount is not an approved term per XXX Guidelines. | Maximum allowed per state. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 714 Fico is 34 points greater than the minimum required Fico of 680. |
| 10326098 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 15 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves above minimum by 6 months or higher | |||||||||||||||
| 10325954 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 8 yrs 5 mos CFCFS1739: Positive mortgage payment history - XXX Comments: 0 x 30 > 24 months | |||||||||||||||
| 10325956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | Property | Waived | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Appraiser to comment as to why all rental and sales comparables used in the appraisal are > 2 miles from the subject property. | (No Data) | XXX has agreed to clear condition. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been living at primary residence for 8 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. |
| 10325947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 0% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 28.24 months PITIA is 22.24 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 794 is 50+ points above the 740 required. | |||||||||||||||
| 10357769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Reserves 11.66 months PITIA is 5 months greater than the 6 months reserves required. | |||||||||||||||
| 10357774 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing an exception for the business bank statements having > 5 Overdrafts in the last 12 months. There were a total of 176 Overdrafts in the last 12 months (average of 14-15 per month). In addition, 9 of the 12 months have negative ending balances. | An exception was approved for the guideline deviation. | waived | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x24+ months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 781 exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 13.26% is below the guideline of 50%. |
| 10357775 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0 X 30 X 24-housing history CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves above minimum by 6 months or higher | |||||||||||||||
| 10326105 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 729 is 89 points above the 640 required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Total Assets used for reserves: $XXX; 135.91 months PITIA. Required reserves are 6 months PITIA. CFCFS2860: Good credit history - XXX Comments: Borrower has 0x30 for 48 months | |||||||||||||||
| 10326136 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 115.72 months PITI is 109.72 months greater than the 6 months reserves required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 30.63% is 44.37% below the 75% LTV allowed CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 731 is 111 points above the 620 required. | |||||||||||||||
| 10326141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Total Assets used for reserves: $XXX; 97.77 months PITIA. Required reserves 6 months PITIA. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 776 is 76 points above the 700 required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 47.65% is 27.35% below the 75% LTV allowed. | |||||||||||||||
| 10326144 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE in dated 5-6-26. Initial application in file dated 4-30-26 | (No Data) | Lender provided Initial LE 05/05/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 43.81% LTV is low. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 qualifying score is 59 points > 660 requirement. |
| 10326144 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The Purchase Contract in the loan file is redacted. | complete SALES CONTRACT provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 43.81% LTV is low. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 qualifying score is 59 points > 660 requirement. |
| 10326144 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | An internet search of the borrower's business is missing from the loan file. | internet search provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 43.81% LTV is low. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 719 qualifying score is 59 points > 660 requirement. |
| 10357783 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2478 | Missing Legal Documentation | No | Missing amortization schedule | amortization schedule provided | Updated data points. Exception canceled. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years and 6 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 26.27% is 23.73% below the 50% max allowed. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 6.3% revolving credit utilization. |
| 10357783 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing documents to support other monthly income of $12,830.00 used per DU. | Asset depletion income came from inheritance which does not require seasoning. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years and 6 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 26.27% is 23.73% below the 50% max allowed. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 6.3% revolving credit utilization. |
| 10357783 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing page 1 of the PUD Rider. | PUD Rider provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years and 6 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 26.27% is 23.73% below the 50% max allowed. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 6.3% revolving credit utilization. |
| 10357785 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 783 qualifying score is 83 points > 700 requirement. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 4.98%. | |||||||||||||||
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing Final 1003 for both borrowers. | 1003 provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Missing Final Closing Disclosure for property located at XXX reflecting total funds received back at closing. | Correct Hud 1 provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide a current lease agreement for the subject property. | Lease provided in file. | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date is greater than the transaction date | (No Data) | Correct Hazard insurance policy provided | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Flood Cert in file is for another property. Please provided Flood Certification for property located at XXX | Flood cert provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Hazard insurance policy in file is for another property. Provide policy for XXX | (No Data) | Correct Hazard insurance policy provided | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing Final HUD-1 / Final CD for property located at XXX | Correct Hud provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXX Delivery Restrictions -1 | No | Provide an SSR report with CU score <=2.5 or a 3rd party valuation product from the list of XXX approved desk review vendors. XXX, XXX, XXX, XXX, XX). | CU with score of 1 provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | 1008 provided reflects a different property address. | Correct 1008 provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Title policy in file is for another property. | Correct Title provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing Appraisal for subject property. | Correct Appraisal provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Appraisal in file is for another property. Need appraisal and verification of market rent for XXX | Correct Appraisal provided | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing updated valuation for subject property located at XXX | (No Data) | Correct Appraisal provided | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: Low LTV of 50.69% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 786 credit score exceeds minimum required 660 |
| 10326188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | According to guidelines, 6 months reserves were required, however, the final 1003 reflects some assets of $XXX coming from proceeds from secured loan but there is no evidence of these funds in the loan file. | CD's from refinances provided | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 768 is 108 points above the 660 required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 38.30% is 11.70% below the 50% allowed. |
| 10326188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | According to guidelines, 6 months reserves were required, however, the final 1003 reflects some assets of $XXXcoming from proceeds from secured loan but there is no evidence of these funds in the loan file. | CD's from refinances provided | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 768 is 108 points above the 660 required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 38.30% is 11.70% below the 50% allowed. |
| 10326188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | The DTI of 53.24% exceeds the maximum allowed DTI of 50%. Lender stated the loan was a 1 year full doc loan. The 2024 business tax returns for the business were provided yielding a monthly income of $19,548.83 and DTI of 53.24%. The P&L income was not utilized as the guidelines state the qualifying income is determined from the tax returns and the P&L is used to determine the stability of that income. | Recalculated income including W-2 income | cleared | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 768 is 108 points above the 660 required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 38.30% is 11.70% below the 50% allowed. |
| 10326188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The loan was approved as a 1 year P&L program, Profit and loss statement must be prepared by a licensed, independent CPA, EA, registered tax preparer and provide one of the following: o Current state CPA license number as verified by license or screenshot from state licensing authority; or o Current IRS enrolled Agent (EA) certification from the IRS (i.e.. Screen shots of the IRS website) o Current CTEC certification from XXX (i.e.. Screen shot of CTEC website) Tax preparer preparing the P&L must attest to the following: o Tax preparer has filed the borrowers most recent business and personal tax returns. Tax preparer has analyzed the borrowers business financial statements during the preparation of the P&L. In this case, there was only a P&L and no evidence it was prepared by a licensed, independent CPA, EA, registered tax preparer. | Recalculated income including W-2 income | cleared | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 768 is 108 points above the 660 required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 38.30% is 11.70% below the 50% allowed. |
| 10326189 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | An exception approval is in the file for no housing history as well as subject is free and clear. | An exception approval is in the file | Waived | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 65% is 10% below the 75% LTV allowed CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 78.64 months PITIA is 72.64 months greater than the 6 months reserves required. |
| 10326190 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years 10 month at current residence. | |||||||||||||||
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | LOE provided | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | DTI | Satisfied | A | A | A | A | CRDDTI134 | Debt Ratio Exception =>10% | No | According to the underwriting guidelines, the max DTI for a loan using asset depletion as a supplemental income is 45%. | Recalculated DTI including equity in real estate. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | Income/Employment | Satisfied | A | A | A | A | CRDINC150 | Income docs do not meet guidelines | No | According to the underwriting guidelines for the asset depletion program, assets used for qualifying must be seasoned for 120 days. In this case, the XXX account ending XXX, XXX account and XXX XXX account all are seasoned less than 120 days. | There is conflicting information in XXX Guidelines. Their guidelines indicate only need 3 months of statements. Agree as the guidelines only require 3 months statements. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | The WVOE for the bonus income was not in the loan file. It is noted the borrower started this job in XXX. The only bonus income reported on the paystub through XXX was a sign on bonus of XXX of XXX installment which is not reoccurring per the offer letter. This income was excluded. It is further noted if the borrower leaves or is terminated prior to 12 months of service the bonus funds must be repaid in full. | The bonus income is estimated, based on the annual salary of $XXX and the compensation package outlined in the employment offer. In XXX & XXX, he was paid a total of $XXX in bonuses from XXX. Given his new position at XXX as a XXX, it is customary for bonuses to be paid. The employment offer states that supplemental annual equity awards (which can be a cash bonus) range from $XXX-$XXX. 3-year average of bonus, estimating $XXX for XXX is $XXX | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing flood cert | Flood cert provided | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326194 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | Legal Documents | Satisfied | A | A | A | A | CRDLGL4033 | Missing Legal Document(s) | No | According to the underwriting guidelines, departing residence excluding rule requires Currently listed or signed letter of intent from Borrower indicating they intend to list and sell the departure residence for sale within ninety (90) days of closing on subject transaction. This is missing from the file. | Signed letter of intent provided | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 781 and above the minimum of 720 |
| 10326197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file; 102.18 months PITIA. Required reserves are $XXX x 3 = $XXX. CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at their current residence for 7 years | |||||||||||||||
| 10326200 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is more than 5 points below maximum LTV requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 16 months reserves exceeds minimum reserve requirement by more than 6 months | |||||||||||||||
| 10326206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2350 | Missing Stated Income | No | A copy of the lease agreement for the subject property is missing from the loan file. | An exception was approved for the guideline deviation. | waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 34.47 months PITIA is 28.47 months greater than the 6 months reserves required. CFCFS2860: Good credit history - XXX Comments: Borrower has good credit history with 0x30 on mortgage accounts. |
| 10326206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXX Delivery Restrictions -1 | No | The subject loan closed in the name of a LLC. The loan file does not contain verification of the EIN as required. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 34.47 months PITIA is 28.47 months greater than the 6 months reserves required. CFCFS2860: Good credit history - XXX Comments: Borrower has good credit history with 0x30 on mortgage accounts. |
| 10326206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5787 | XXX Delivery Restrictions -2 | No | A copy of the XXX Rate Lock is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 34.47 months PITIA is 28.47 months greater than the 6 months reserves required. CFCFS2860: Good credit history - XXX Comments: Borrower has good credit history with 0x30 on mortgage accounts. |
| 10326213 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $1241.00 ($1924 - $680.00 cure on Final CD) due to increase in discount Fee from $5,873 on Cd XXX to $7,551 and Apprasial fee from $675 onXXX to $1,105 on Cd XXX and inspection fee increase $ 250 on Cd XXX .Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Lender provided XXX CD & XXX COC - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 755 qualifying score is 95 points > 660 requirement. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 2.25%. |
| 10326213 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Per guidelines borrowers must be XXX for a minimum of 2 years; borrower has been XXX in the food service industry for 3 years but prior business was in partners name only. | (No Data) | Exception for < 2 years XXX approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 755 qualifying score is 95 points > 660 requirement. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 2.25%. |
| 10326223 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | Property comes up as rural on XXX website on a DSCR. Appraiser marks suburban, comps all under 5 miles only 12 days on the open market. An exception approval is in the file. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 44.23% is 40.77% below the 85% LTV allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 750 is 130 points above the 620 required. |
| 10326227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 23 months PITI is 17 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 762 Fico is 102 point greater than the minimum 660 required. | |||||||||||||||
| 10326236 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 129.67 months PITIA is 123.67 months greater than the 6 months reserves required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 27.66% is 47.34% below the 75% LTV allowed. | |||||||||||||||
| 10357790 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOM/payment history for the XXX Credit Union HELOC #XXX secured to the primary residence. The HELOC is not reporting on the credit report (not the home improvement loan with XXX). The HELOC was recorded XXX per the XXX report (see pg 8 of report), but the XXX CU printouts in file do not indicate an open date or a first payment due date. | credit supplement provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 771 exceeds the guideline of 680. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x24+ months. CFCFS1744: DTI below guideline requirement - XXX Comments: DSCR of 1.192 exceeds the guideline requirement of 1.0. |
| 10357790 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Exception requested for loan amount below the minimum guideline of $XXX($XXX). | (No Data) | Exception was approved for the loan amount below the minimum guideline of $XXX at $XXX. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 771 exceeds the guideline of 680. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x24+ months. CFCFS1744: DTI below guideline requirement - XXX Comments: DSCR of 1.192 exceeds the guideline requirement of 1.0. |
| 10326240 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Guidelines state all borrowers on assets used for asset depletion need to be on the loan. Requesting an exceptionto not add Wife to the loan who is on the asset statements. | (No Data) | Exception granted dated 06/03/2026 is in file. It appears the wife was added to the loan is any case. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 145.48 months PITIA is 139.48 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 793 is 133 points above the 660 required. |
| 10326240 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC150 | Income docs do not meet guidelines | No | The Lock report indicated a Full doc program, a review of the file showed asset utilization and borrower's self employment income being used to qualify. The file contained the 2025 W2 and transcript, a review of the income worksheet showed the income being used to qualify is w2 and K-1 income, however, a copy of he business return was not proived in the loan file. | 2025 business tax returns provided | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 145.48 months PITIA is 139.48 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 793 is 133 points above the 660 required. |
| 10326240 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER5785 | XXX Delivery Restrictions -1 | No | Audit calculated DTI is 49.70%. Per guidelines the maximum DTI is 45% when using partial Asset Depletion for income qualification. An exception to go above 45% DTI is missing from the loan file. | An exception was approved for the guideline deviation. | waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 145.48 months PITIA is 139.48 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 793 is 133 points above the 660 required. |
| 10326241 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable | No | Missing the photo for Comp 1 in the appraisal report (comp 1: XXX). The photo of Comp 1 in the appraisal is a duplicate photo of Comp 2. | revised appraisal provided | cleared | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 38.26% is below the guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 12.31 months PITI exceed the 6 months reserves requirement. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 801 exceeds the guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x54 months. |
| 10326250 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is more than 5 points below maximum DTI requirements CFCFS1741: Credit score exceeds guidelines - XXX Comments: 765 FICO score exceeds minimum FICO requirements by over 20 points | |||||||||||||||
| 10326253 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Flood effective date is XXX and transaction date is XXX. Final CD disbursement date is also XXX | updated flood policy provided | cleared | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 802 is 142 points above the 660 minimum allowed. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 24.46 months PITIA are $21.46 months greater than the 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 14 years and 8 months at current residence. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 38.28% is 11.72% below the 50% max allowed. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 3.87% revolving credit utilization. |
| 10357793 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Ten percent Tolerance Fee of $75 due to Recording Fee increased from $200 on CD XXX to $295 on CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Lender provided LOX with $75.00 refund - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 682 is 22 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 15.81 months PITIA is 9.81 months greater than the 6 months reserves required. |
| 10326272 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 39.76% is 10.24% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 737 is 37 points above the 700 required. | |||||||||||||||
| 10326274 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller Cd Missing. | (No Data) | Lender provided Sellers CD - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x24+ months. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 20.41% is below the guideline of 50%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 820 exceeds the guideline of 660. |
| 10326274 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing the XXX Bank business statement for account XXX from XXX-XXX. New account was opened with a different account number (#XXX) due to fraudulent activity on XXX Missing 10 days of business account activity for account #XXX. | LOE provided to clear | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history is 0x30x24+ months. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 20.41% is below the guideline of 50%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 820 exceeds the guideline of 660. |
| 10326278 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The borrower has owned the primary residence for less than 12 months, a credit supplement was provided to support only 9 months mortgage history. An exception approval is in the file. | (No Data) | Exception granted datedXXX is in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 1.46%. |
| 10326278 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | According to guidelines,XXX is a XXX authorized to live and work in the U.S. on a temporary basis. Copies of the borrowers valid passport and unexpired VISA permitting lawful entry into the United States is required. o If VISA renewal is in process or delayed, provide application for extension or renewal (adjustment of status). In this case, this application is currently pending with XXX, and the case is listed as "Case is being actively reviewed" under receipt number XXX. An exception approval is in the file. | (No Data) | Exception granted dated XXX is in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 1.46%. |
| 10357805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 775 is 115 points above the 660 minimum allowed. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 51.26 months PITIA are 45.26 months greater than the 6 months required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 41.90% is 8.10% blow the 50% max allowed. | |||||||||||||||
| 10379196 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 7.47%. CFCFS1744: DTI below guideline requirement - XXX Comments: 32.72% DTI is low. | |||||||||||||||
| 10357808 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | The credit report/loan application shows over 20 financed properties and maximum financed properties for XXX is 20. | Per XXX variance, the XXX program allows unlimited financed properties. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 45 months reserves exceeds minimum reserve requirement by more than 6 months CFCFS1736: Significant time at current residence - XXX Comments: Brwr has resided at current residence for 22 years per application |
| 10357808 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The payoff statement is missing | payoff provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 45 months reserves exceeds minimum reserve requirement by more than 6 months CFCFS1736: Significant time at current residence - XXX Comments: Brwr has resided at current residence for 22 years per application |
| 10357813 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 23.99 months PITIA are 17.99 months greater than the 6 months required. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 29.44% is 20.56% below the 50% max allowed. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 3.08% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 724 is 64 points above the 660 minimum allowed. | |||||||||||||||
| 10357814 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | Seller CD provided | Satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 22.41 months PITIA is 16.41 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 785 is 125 points above the 660 required. |
| 10357814 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Living RentFree: Borrowers that do not have the required housing payment history are still eligible to qualify for a purchase transaction of a primary residence so long as the individual or entity they are residing with rent-free provides a Letter of explanation (LOE) confirming that there is/was no monthly obligation.. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 22.41 months PITIA is 16.41 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 785 is 125 points above the 660 required. |
| 10357814 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | The Master Condo Insurance is in the file covering Walls In, excluding Improvements and Betterments. Missing the individual insurance policy and premium included in the PITI. | Individual insurance was provided in the file. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 22.41 months PITIA is 16.41 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 785 is 125 points above the 660 required. |
| 10357816 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 1.31%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 787 qualifying score is 127 points > 660 requirement. | |||||||||||||||
| 10357818 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 727 is 67 points above the 660 minimum allowed. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 74.99% is 5.01% below the 80% max allowed. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 6 years at current job. | |||||||||||||||
| 10357819 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | Sellers CD provided | Satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 701 qualifying score is 41 points > 660 requirement. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 13.51%. |
| 10379311 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: $XXX reserves in file; 22.18 of months PITIA. Required reserves are $XXX x 6 = $XXX CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 67.879% is 2.12% below the 70% LTV allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 668 is 8 points above the 660 required. | |||||||||||||||
| 10357826 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 811 is 151 points above the 660 required. CFCFS5269: Minimal use of credit - XXX Comments: Minimal credit utilization ratio of 0.51%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of XXX months PITIA. | |||||||||||||||
| 10379318 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 12 years 9 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: FICO score above minimum by 20 points or higher | |||||||||||||||
| 10357829 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 702 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8.26 verified cash reserves exceed minimum required | |||||||||||||||
| 10379324 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 10.44% CFCFS2854: Significant time in profession - XXX Comments: Borrower has been in same profession for 8 years. CFCFS2860: Good credit history - XXX Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| 10379326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate on short term rentals, the XXX report must show an occupancy rate of greater than 50%. In this case, the report shows 42.7% occupancy rate. The lock report dated XXX shows this issue was waived. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 794 is 94 points above the 700 required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 8 years at current residence. |
| 10379328 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 3.60% CFCFS2854: Significant time in profession - XXX Comments: Borrower has been in same profession for 6 years. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 23.28% is 26.72% below the 50% allowed. | |||||||||||||||
| 10379331 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has XXX years and XXX months at current residence. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 3.10% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 804 is 144 points above the 660 minimum allowed. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI of 16.76% is 28.24% below the 45% max allowed. | |||||||||||||||
| 10379333 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Total Assets used for reserves: $XXX; 155.73 months PITI. Required reserves are 6 months PITI. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 22.54% is 27.46% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 800 is 140 points above the 660 required. | |||||||||||||||
| 10379217 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The initial application shows the borrower has resided at XXX for the last 5 years; however, the final application shows the borrower has resided at XXX for the last 5 years. The VOR is for XXX but the borrower's mailing address on the form is XXX and shows the borrower has ben at XXX for less than 5 (started XXX). An explanation for these discrepancies were not in the file. | LOX provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file; 126.92 months PITIA. Required reserves is 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 63.20% is 16.80% below the 80% LTV max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 749 is 49 points above the 700 required. |
| 10379217 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The Warranty Deed was not in the file. | Warranty Deed provided to clear | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file; 126.92 months PITIA. Required reserves is 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 63.20% is 16.80% below the 80% LTV max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 749 is 49 points above the 700 required. |
| 10379217 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | The borrower is a FTHB and the DSCR is 0.8537. The guide indicates a minimum DSCR of 1.0 when borrower is a FTHB. The lock report shows this issue was satisfied/waived on XXX | An exception was approved for the guideline deviation. | waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file; 126.92 months PITIA. Required reserves is 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 63.20% is 16.80% below the 80% LTV max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 749 is 49 points above the 700 required. |
| 10379341 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has lived at their current residence over 18 years | |||||||||||||||
| 10379181 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Letter of explanation/source of the 15k deposit into XXX XXX on XXX (unable to back out deposit and still meet reserve requirement) | Gift docs provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit line usage ratio is below 1% with minimal debt listed on the credit report CFCFS1741: Credit score exceeds guidelines - XXX Comments: 810 FICO score exceeds minimum FICO requirements by over 20 points |
| 10379181 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | The loan application indicates the brwr has lived rent free for the last five years and there is no mortgage history on the credit report. The max LTV for a first time homebuyer is 85%. The subject LTV is 90%. Also, a 90% LTV requires a DTI of 45% or less . The subject DTI ratio is 46.26%. | An exception was approved for the guideline deviations. | waived | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit line usage ratio is below 1% with minimal debt listed on the credit report CFCFS1741: Credit score exceeds guidelines - XXX Comments: 810 FICO score exceeds minimum FICO requirements by over 20 points |
| 10379356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Program requires minimum 6 months reserves but borrower has 4.26 months reserves. Gifts funds are not permitted for reserves. | additional assets provided | cleared | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 5.87% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 801 is 161 points above the 640 minimum allowed. |
| 10379356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower purchased primary residence 2 months ago and lived rent free prior to that. Lender approval dated XXX is on file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has 5.87% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 801 is 161 points above the 640 minimum allowed. |
| 10379417 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten Percent Tolerance Fee of $97.4 due to increase Recording Fee from $36.00 on CD XXX to $XXX on CD XXX. Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Lender provided XXX PCCD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 26.44% is 23.56% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 802 is 102 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 283.94 months PITIA is 277.94 months greater than the 6 months reserves required. |
| 10379417 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 65% LTV is greater than the maximum 60% LTV allowed when using asset deletion for income on a cash out loan. An exception approval is in the file. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 26.44% is 23.56% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 802 is 102 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 283.94 months PITIA is 277.94 months greater than the 6 months reserves required. |
| 10026404 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 111.17 months reserves are above the required 3. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 689 FICO score is above the 660 min. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 4 years mortgage history is above the required 1 | |||||||||||||||
| 10026411 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR4775 | Missing Market Rent Analysis | No | 1007 must establish fair market rent for the XXX. The 1007 only established market rent for the Main house. Please provide updated 1007 establishing fair market rent for the XXX. Additional exceptions may apply. | 2-5-26 Client replied: Please see uploaded 1007. UW used 75% of $1250 per month= $937.50 usable rent. | 2-6-26 XXX reviewed 1007 on XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 671 is 11 points above minimum program requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: $XXX, 20.01 months; 3 months required. CFCFS2860: Good credit history - XXX Comments: Borrower has 0x30 for 99 months. |
| 10110854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3312 | One or more Applications in file are incomplete | No | Missing signed final 1003; initial 1003 not found. | 12-17-25 Client uploaded 1003. | 12-18-25 XXX reviewed signed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $XXX, 52.5 months reserves, 9 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 645 exceeds the minimum of 640 CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.2815 (Rent $2700 / Expenses $2106.82 ) |
| 10110854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing final signed 1003 to verify citizenship/residency. | 12-17-25 Client uploaded 1003. | 12-18-25 XXX reviewed signed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $XXX, 52.5 months reserves, 9 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 645 exceeds the minimum of 640 CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.2815 (Rent $2700 / Expenses $2106.82 ) |
| 10110854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation for July and August payment for XXX #XXX. Mortgage is secured to primary residence and last reported date on credit report is XXX. XXX and XXX payment verified with mortgage billing statement. | 3.2.26 VOM provided | 3.2.26 excerption satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $XXX, 52.5 months reserves, 9 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 645 exceeds the minimum of 640 CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.2815 (Rent $2700 / Expenses $2106.82 ) |
| 10110946 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | AVM value was more than 10% less than the Appraised value.Provide an enhanced desk review product, field review, or a second appraisal. | 2.25.26 uploaded field review rcvd2.26.26 exception satisfied | 2.26.26 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 683 FICO score is above the 600 min. CFCFS2860: Good credit history - XXX Comments: Only 1 late payment on credit report. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 88.7 months or reserves are above the required 3. |
| 10026630 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of706 is above the required 700 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70 is below the maximum allowable of 75 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 16.96 months of PITIA. 3 months required. | |||||||||||||||
| 10395686 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 747 is above the required 740. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 34.21 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 3 years. | |||||||||||||||
| 10395680 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 5 years of mortgage history. 1 years required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 732 FICO score is above the 700 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 80.01 months of reserves are above the required 3. | |||||||||||||||
| 10395616 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80 is below guideline requirement max of 90. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 9.44 is below guideline requirement max of 50. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Verified reserves of $XXX or 89.27 months PITI reserve exceeds required reserves of ($XXX x 3 = $XXX). | |||||||||||||||
| 10395690 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 57.01 months of reserves are above the required 3 CFCFS2860: Good credit history - XXX Comments: No late payments in last 36 months, 24 months is minimum CFCFS1741: Credit score exceeds guidelines - XXX Comments: 688 FICO score is above the 660 min. | |||||||||||||||
| 10395753 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application is missing residency / citizenship status declaration. | 8-3-26 Client replied: Corrected Loan App uploaded8-5-26 Client replied: Corrected loan app uploaded | 8-4-26 XXX reviewed application indicating XXX and file that indicates borrower is a XXX. Provide updated application. Exception remains. 8-5-26 XXX reviewed application indicating XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 10.58 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 6 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 714 is above the required 700. |
| 10395756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.77% is below the maximum allowable of 75% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 60.94 months of PITIA. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of803 is above the required 740 | |||||||||||||||
| 10395827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 4% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of749 is above the required 740 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 124.4 months of PITIA. 9 months required. | |||||||||||||||
| 10395709 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 124.33 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 749 is above the required 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 3 years. | |||||||||||||||
| 10395667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 59.93 is below the maximum allowable of 65 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 24.16 months of PITIA. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of744 is above the required 700 | |||||||||||||||
| 10395760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 727 FICO score is above the 700 min. CFCFS2860: Good credit history - XXX Comments: No late payments on credit report in last 15 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 19.16 months of reserves are above the required 3. | |||||||||||||||
| 10395721 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final signed HUD | 8-5-26 Client replied: final uploaded with credit pkg. pg 72-748-7-26 Client replied: uploaded certified final HUD | 8-6-26 XXX reviewed response and HUD in file on page 72-74 of original credit file which was prepared and dated XXX The estimated Closing statement in the file was prepared and dated XXX and appears to be more accurate as it reflects the Deposit of $XXX which is not reflected on the one dated XXX. Provide final signed HUD. Exception remains. 8-7-26 XXX reviewed post close HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 60.959% LTV is below the 85% max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 797 FICO score is above the 640 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 5.82 months. 0 months required. |
| 10395802 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 675 is above the required 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 12.71 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 5 years. | |||||||||||||||
| 10395653 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 782. G/l min is 680 CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 16 years CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV is below the max allowed 80%. | |||||||||||||||
| 10395712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 12.1 months of reserves are above the required 3. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 705 FICO score is above the 660 min. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV is below the 80% max. | |||||||||||||||
| 10395613 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: 39.73% DTI is below the 50% max. CFCFS1737: LTV below guideline requirements - XXX Comments: 68.702% LTV is below the 80% max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 797 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14.52 months of reserves are above the required 0 | |||||||||||||||
| 10395759 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV is below the 75% max CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 125.12 months of reserves are above the required 3 CFCFS1741: Credit score exceeds guidelines - XXX Comments: 782 FICO score is above the 660 min. | |||||||||||||||
| 10395731 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 55.41 is below the maximum allowable of 75 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 16.9 months of PITIA. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of728 is above the required 700 | |||||||||||||||
| 10395746 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 22.01 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 709 is above the required 700. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 2 years. | |||||||||||||||
| 10395863 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 45.42%; guidelines allow 75%. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 275 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets $XXX/ 8.27 months PITI > min required of $XXX /3 months PITI. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 780 mid score > min required of 740. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has 232 months mortgage payment history 0x30. | |||||||||||||||
| 10395790 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 5.77 months. 0 months required. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 6 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 678 is above the required 660. | |||||||||||||||
| 10395621 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 774 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 9.82 months of reserves are above the required 0. CFCFS1744: DTI below guideline requirement - XXX Comments: 37.17% DTI is below the 50% max. CFCFS1737: LTV below guideline requirements - XXX Comments: 72.727% LTV is below the 80% max | |||||||||||||||
| 10395663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of662 is above the required 660 CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $XXX CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of99 months exceeds the required 12 months | |||||||||||||||
| 10395658 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 18 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 100.65 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 686 is above the required 660. | |||||||||||||||
| 10395774 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets $XXX/ 37.85 months PITIA > min required of $XXX / 6 months PITIA. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 19.51%; guidelines allow 65%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 16 years at primary residence. | |||||||||||||||
| 10395654 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing trust documentation for XXX account that is vested in a living trust per guidelines 1.6.2, need verification of conditions under which the borrower has access to the funds. | 8-10-26 Client replied: please see the upl doc | 8-10-26 XXX reviewed trust for XXX account. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of758 is above the required 720 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX, 25.67 months of PITIA. 0 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below the maximum allowable of 90 |
| 10395654 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing trust documentation for XXXaccount that is vested in a living trust per guidelines 1.6.2, need verification of conditions under which the borrower has access to the funds. | 8-10-26 Client replied: please see the upl doc | 8-10-26 XXX reviewed trust for XXX account. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of758 is above the required 720 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX, 25.67 months of PITIA. 0 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below the maximum allowable of 90 |
| 10395674 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value of XXXNote: UCDP in file was for XXX not the subject. | 8-17-26 Client replied: please see our final SSR. | 8-17-26 XXX reviewed UCDP with score of 2.3 and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 805 is above the required 640. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 75.36 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 10 years. |
| 10395814 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has45 months mortgage payment history 0x30. 12 required. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets $XXX / 57.73 months PITI > None required. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 60 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%; guidelines allow 80%. | |||||||||||||||
| 10395820 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing account statement covering a one month period for XXX XXX and XXX.Statement in file is a Combined statement including 6 accounts, however only the balance for account XXX and XXXis provided which does not meet the one month period required. Provide full statements covering a one month period or a VOD as funds are needed to meet sufficient funds to close. | 8-6-26 Client replied: please see the upl information8-10-26 Client replied: please see the upl doc | 8-7-26 XXX reviewed response indicating that borrower needed $XXX cash to close. They verified thatbetween the XXX#XXX ($XXX) and XXX #XXX ($XXX). XXX reviewed file and this information was based on the bank statement dated XXX, however their is a VOD in file dated XXX that reflects different balances which are not sufficient to meet funds to closing. Account numbers XXX and XXX were not counted as the bank statement only provided the balance - A VOD for these accounts may satisfy the exception. Exception remains. 8-10-26 XXX reviewed bank statement dated XXX and VOD dated XXX which were in the original file. Bank statement is a combined statement including 6 accounts and 2 of the accounts only reflect the balance which does not meet the guideline requirement of a statement covering a one month period (sec.1.6.1). XXX deems non-material/non-fatal to lending decision as balance is verified and NONI does not require verification of large deposits and compensating factors: LTV XXX%/80% Max, Credit score 698/660 minimum and 28.18 months cash reserves/0 required. Non-material exception remains. 8.26.26 acknowledged by client, waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 698 FICO score is above the 660 min CFCFS1737: LTV below guideline requirements - XXX Comments: 74.934% LTV is below the 80% max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 28.18 months. 0 months required. |
| 10395807 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing satisfactory evidence of the borrowers ownership interest in XXX the owner of XXX account XXX used for cash to close. | 8-7-26 Client replied: The attached docs show articles of incorporation and business entity info, the borrowers on this loan are the only officers for this business. | 8-7-26 XXX reviewed art of incorp and state printout reflecting borrowers as XXX and XXX of corp. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 5 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 778 is above the required 680. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 76.26 months. 0 months required. |
| 10395629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 1% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of694 is above the required 680 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80 is below the maximum allowable of 85 | |||||||||||||||
| 10395671 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of766 is above the required 660 CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 12% CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80 is below the maximum allowable of 85 | |||||||||||||||
| 10395608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%; guideline allows 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 270.78 months. 0 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 766 is above the required 720. | |||||||||||||||
| 10395633 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing documents - Missing fraud report | 8-11-26 Client replied: see fraud report | 8-12-26 XXX reviewed fraud report. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 8% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 36.5 months of PITIA. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of772 is above the required 720 |
| 10395633 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing fraud report. Single page list of some participants was found, all supporting details pages are missing. | 8-11-26 Client replied: see fraud report | 8-12-26 XXX reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 8% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 36.5 months of PITIA. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of772 is above the required 720 |
| 10395657 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 10.79 is below the maximum allowable of 43 CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of683 is above the required 660 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below the maximum allowable of 90 | |||||||||||||||
| 10395606 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: Maximum LTV 85% , Current LTV 80% CFCFS2860: Good credit history - XXX Comments: Borrower has no history of late payments CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves $XXXReserves required $0.00 | |||||||||||||||
| 10395639 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 13.54 months PITI reserve exceeds required reserves of $XXX. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 30.35 is below guideline requirement max of 80. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 39 months of 0 x 30 exceeds guideline requirement of 12. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 252 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 756 exceeds guideline requirement of 720. | |||||||||||||||
| 10395597 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 9.2 months of PITIA. 6 months required. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 21% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of719 is above the required 680 | |||||||||||||||
| 10395594 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 41.05 is below guideline requirement max of 50. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 34 months of 0 x 30 exceeds guideline requirement of 12. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80 is below guideline requirement max of 90. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 770 exceeds guideline requirement of 620. CFCFS1749: Additional documented income not used in qualifying - XXX Comments: Lender qualified borrower using the lower rental figure of $8,400 for their XXX REO. Borrower provided a lease and evidence of receipt of deposit supporting a monthly rent of $10,000. This difference ($1,600.00 x .75 = $1,200.00) represents additional documented income not used in qualifying. | |||||||||||||||
| 10395614 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR173 | Comp Photos Unacceptable | No | Missing MLS photos of Comps 2, 3 and 4. Comps appear to be in a gated community. | 8-13-26 Client uploaded both full appraisals. | 8-14-26 XXX reviewed both appraisals and appraisal dated XXX was missing appropriate photos. Appraisal dated XXX contains comp 3 & 4 photos that are of actual unit and Comp 2 was found on-line and uploaded. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 723 exceeds the minimum of 720 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $XXX, 19.07 months reserves, 6 months required CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 2.74% is below the maximum of 50% CFCFS2854: Significant time in profession - XXX Comments: 30 yrs in same profession. Business has been opened since 1973. Borrower became a XXX in 2022 |
| 10395614 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing second appraisal per guidelines. Loan amount exceeds $XXX. | 8-13-26 Client replied: 2nd Appraisal8-13-26 Client uploaded 2nd appraisal. | 8-13-26 XXX reviewed appraisal which is the same appraisal that was in the original file. Exception remains. 8-14-26 XXX reviewed 2nd full appraisal dated XXX and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 723 exceeds the minimum of 720 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $XXX, 19.07 months reserves, 6 months required CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 2.74% is below the maximum of 50% CFCFS2854: Significant time in profession - XXX Comments: 30 yrs in same profession. Business has been opened since 1973. Borrower became a XXX in 2022 |
| 10329027 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves $XXX. Requirement 6 months @ $XXX PITIA=$XXX CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 786. Requirement 680. CFCFS2860: Good credit history - XXX Comments: No derogatory items listed on credit. | |||||||||||||||
| 10329004 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves from proceeds $XXX..Requirement 6 months @ $XXX PITIA ($XXX). CFCFS2860: Good credit history - XXX Comments: No derogatory items listed on credit. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 778. Minimum credit score requirement 680. CFCFS1739: Positive mortgage payment history - XXX Comments: Mortgages reflected on credit no lates. | |||||||||||||||
| 10329005 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 778/ Minimum required 680. CFCFS2860: Good credit history - XXX Comments: No derogatory items listed on credit. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Proceeds from transaction $XXX. Reserve requirement 6 months PITIA. $XXX X 6 =($xxx). | |||||||||||||||
| 10329006 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Executive approval in file to allow for additional properties. Page 149. | Executive approval in file to allow for additional properties. Page 149. | Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: No derogatory items listed on credit. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 778. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves from transaction $XXX=XXXmonths. Requirement 6 months @XXX=$XXX. |
| 10329015 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Borrowers have 99 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves per proceeds $XXX, reserves required $XXX (6). CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 19.36%. | |||||||||||||||
| 10329020 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 7.34%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 754 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves per proceeds $XXX; required reserves 6 months * $XXX($XXX). | |||||||||||||||
| 10329007 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 730. Requirement 680. CFCFS1739: Positive mortgage payment history - XXX Comments: Credit report reflects mortgage payments on time 30 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves $XXX. Requirement 6 months @ XXX= $XXX. | |||||||||||||||
| 10328999 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: Qualifying ltv 67.43. Requirement 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves $XXX. Requirement 6 months @ $XXX=$XXX. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 769. Requirement 680. CFCFS2860: Good credit history - XXX Comments: No derogatory items listed on credit. | |||||||||||||||
| 10329008 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2862 | Copy of Note in file is incomplete | No | Missing page 6 of the Note | Received page 6 of Note, signed | Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets post close $XXX. Reserve requirement 6 months @ $XXX=$XXX. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 748, Required minimum score 680. CFCFS1737: LTV below guideline requirements - XXX Comments: Qualifying ltv 26.03%. Requirement 80%. |
| 10329001 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has 40 months of reserves only 3 required | |||||||||||||||
| 10329002 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1750: High potential for increased earnings - XXX Comments: DSCR >1.00; DSCR 1.395 CFCFS1741: Credit score exceeds guidelines - XXX Comments: Min Fico 680; Borrower Fico 789 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX or 102.75 months PITIA | |||||||||||||||
| 10329010 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrowers mid credit score is 759 and min required for 75% LTV is 720 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Required months of reserves are 6 months $XXX and borrower has 6.6 months | |||||||||||||||
| 10329011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves from transaction $XXX+ bank accounts $XXX=$XXX Requirement 6 months PITIA=$XXX. CFCFS1739: Positive mortgage payment history - XXX Comments: Credit report reflects on time payments for all mortgage listed on credit. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying credit score 717. Requirement 680. | |||||||||||||||
| 10329029 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves per proceeds $XXX, required reserves 6 months * $XXX(XXX). CFCFS1741: Credit score exceeds guidelines - XXX Comments: 800 mid score > min required 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 53.52%; guidelines allow 75%. CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines 6.84%. | |||||||||||||||
| 10329030 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 15.43%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 740 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves per proceeds $XXX, required reserves 6 months * $XXX($XXX). | |||||||||||||||
| 10329014 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 12.42% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves $XXX, required reserves $XXX (6). CFCFS1741: Credit score exceeds guidelines - XXX Comments: 749 mid score > min required of 700 | |||||||||||||||
| 10329018 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has 90 months PITIA Reserves only 6 months is required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrowers Mid Score is 795 required minimum score is 700 | |||||||||||||||
| 9362352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 9.3.25 please find the final SS9.5.25 exception satisfied | 9.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 47.32% is less than 80.00% max guideline requirement. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for over 10 years. |
| 10101265 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 293 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 4.6 months of reserves exceeds guideline requirements of 3 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past 2 years and 0 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 756 > 136 points above guideline program minimum of 620. | |||||||||||||||
| 10101352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing documentation that XXX acct XXX in the name of XXX is tied to guarantor's XXX and XXX, to used as assets/reserves. | 12.15.25 Secretary of State documentation provided showing the borrowers the members of the LLC. Please clear finding.12.16.25 exception satisfied | 12.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 324+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31 Months Reserves |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $39.00. Appraisal fee increased from $885.00 on LE XXX to $924.00 on subsequent LE's and all CD's. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.12.26-Client provided COC, satisfied. | 1.12.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX #XXX Bank Statements from XXX thru XXX have have not been uploaded by the Lender. | 1.15.2026-Client's response: XXXplease find the bank stmt for review.1.15.2026-XXX's response: Received the XXX Bank Statements for account #XXX, exception is satisfied. | 1.15.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101441 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 1.5.26 FSS provided, please clear finding.1.6.26 exception satisfied | 1.6.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 28 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 133+ Months reporting |
| 10101441 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Unit XXX has a Tarp over thr roof and the Appraiser does not mention the tarp | 1.5.26 Roof was fixed, see picture and letter. Please clear finding.1.6.26 exception satisfied | 1.6.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 28 Months Reserves CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 133+ Months reporting |
| 10101386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 92.40 months PITI, exceeding guideline requirement. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history 0 x 30 over past 32 months exceeds guideline requirement. CFCFS2860: Good credit history - XXX Comments: Borrower has no late payments over 16 years. | |||||||||||||||
| 10101016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX, loan has a test APR 8.408%, the Benchmark Rate was 6.170%; Variance 2.238%; max allowed is 2.250%. | 1.5.26 Client response; We accept the determination on this and please clear the exception.1.5.26 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 1.5.26 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 96 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 370+ Months reporting CFCFS1736: Significant time at current residence - XXX Comments: 20+ Years at current residence |
| 10101016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance fail of $100.00. Appraisal fee increased on LE XXX through final CD XXX. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.3.26-Client provided COC, Satisfied. | 1.3.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 96 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 370+ Months reporting CFCFS1736: Significant time at current residence - XXX Comments: 20+ Years at current residence |
| 10101016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 96 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 370+ Months reporting CFCFS1736: Significant time at current residence - XXX Comments: 20+ Years at current residence |
| 10101181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX, statement for account with XXX Credit Union *XXX- Balance in the amount of $116,384.79 - Account disclosed on the final 1003 to be used towards reserves | 12.19.2025-Client's response:XXXThe account in question was not needed for reserves documentation not provided. Please clear finding.12.19.2025-XXX's response: Removed the XXX Credit Union account; exception is satisfied. | 12.19.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 778 exceeds 620 the minimum required per lender guidlelines CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have 20 years occupancy at their current residence CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 74.44% is below 80.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing 1007 to include market rent for subject property. Unable to determine DSCR of 1.02 | 12.19.25 007 is on page 9 please clear.XXX exception satisfied | 1.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 778 exceeds 620 the minimum required per lender guidlelines CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have 20 years occupancy at their current residence CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 74.44% is below 80.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101026 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed received 3 days prior to consummation date. | 1.9.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.9.26- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 49.09% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 50.99% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 656 > 56 required guideline requirements of 600 CFCFS1736: Significant time at current residence - XXX Comments: 3 years living at primary residence. |
| 10101026 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed received 3 days prior to consummation date. | 1.9.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.9.26-Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 49.09% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 50.99% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 656 > 56 required guideline requirements of 600 CFCFS1736: Significant time at current residence - XXX Comments: 3 years living at primary residence. |
| 10101250 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 299 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 53+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 6+ years. | |||||||||||||||
| 10101413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 638 exceeds 620 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 38.56% is below 70.00% the maximum allowable per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 23 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum amount required per lender guidelines | |||||||||||||||
| 10101163 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.9.26 FSS for review.1.12.26 exception satisfied | 1.12.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 742 exceeds guideline requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 16.14 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). |
| 10101446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing signed Personal Guaranty by both borrowers. | 12.19.25 Executed Personal Guaranty provided. Please clear finding.12.19.25 exception satisfied | 12.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied their current residence for 16.9 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 67.31%, max allowed by G/L is 75% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X 3 = $XXX. Post close reserves $XXX or 131.85 months PITIA |
| 10101256 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 1.5.26 FSS provided, please clear finding. | 1.5.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below guideline requirement max of 80. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 25.31 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX), CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 798 exceeds guideline requirement of 620. |
| 10101256 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Provide Title report. | 12.22.2025-Client's response: XXXTitle report provided, please clear finding.12.22.2025-XXX's response: Received the title commitment, exception is satisfied. | 12.22.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below guideline requirement max of 80. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 25.31 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX), CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 798 exceeds guideline requirement of 620. |
| 10101371 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7.90 months of reserves exceeds guideline requirements of 3 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 751 > 131 required guideline requirements of 620 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 98 months with 0x30 Credit payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 78.95% LTV for Subject Property is below guideline max LTV of 80% | |||||||||||||||
| 10101356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 10+ years. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 388 months credit history exceeds guidelines. CFCFS1739: Positive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 88+ months reserves exceeds guidelines. | |||||||||||||||
| 10101193 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max loan to value is 70%, file is 75% LTV. XXX deems this non-material. Compensating factors: FICO 739, 28 months in reserves, DSCR 1.0326. | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 31 Months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower resides as their primary residence for 14 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101442 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the rent payments made to XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 120 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 36+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. |
| 10101349 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70 is below guideline requirement max of 80. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 661 exceeds guideline requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 44.78 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). | |||||||||||||||
| 10101488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | XXX XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 66.01 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 3.5 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 10101488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Loan to Value: 71.17 exceeds maximum LTV of 70% for a DSCR cash out refinance with a 664 credit score. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 66.01 months. 3 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 3.5 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 10101374 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Very Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 43 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 329+ Months reporting positive | |||||||||||||||
| 10101285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | LTV/CLTV | Waived | A | B | A | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 75% for Mid Fico Score of 705 for cash out refinance and LTV is 80% XXX deems this non-material. Compensating factors: 42 months in reserves, FICO 705, 3 years at current residence. | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.89 months of reserves exceeds guideline requirements of 3 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 705 > 85 required guideline requirements of 620% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - XXX Comments: 3.2 years living at primary residence. |
| 10101285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value $XXX. Missing Fannie Mae UCDP in file. | 1.7.26 CU supporting the appraisal value of $XXX with a score of 1.4 provided. 1.8.26 exception satisfied | 1.8.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.89 months of reserves exceeds guideline requirements of 3 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 705 > 85 required guideline requirements of 620% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - XXX Comments: 3.2 years living at primary residence. |
| 10101141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 121 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 18.80 months PITI, exceed guideline requirement. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 763 exceeds guideline requirement of 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 0 x 30 past 23 months exceeds guideline requirement. | |||||||||||||||
| 10101172 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Missing legible pages of XXX Bank statement with XXX *XXX supporting balance in the amount of $XXX- | 1.7.26 please find the pages for review.1.8.26 exception satisfied | 1.8.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 643 exceeds 620 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.33% is below 70.00% the maximum allowable per lender guidelines |
| 10101410 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 42.74 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is below guideline maximum of 80% for a DSCR cash out refinance with a 724 credit score. CFCFS2860: Good credit history - XXX Comments: Last 1X30 consumer delinquency XXX | |||||||||||||||
| 10101094 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 18.22 months of reserves exceeds guideline requirements of 9 months. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned current residence for the past 3 years and 0 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 705 > 85 required guideline requirements of 620 | |||||||||||||||
| 10395779 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37.24 months piti reserves in file CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 704 and minimum is 680 CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 7 years. | |||||||||||||||
| 10395877 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 815 is above the required 720. CFCFS1736: Significant time at current residence - XXX Comments: Significant time at current residence of 20 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $55,493.98, 15.01 months. 0 months required | |||||||||||||||
| 10395743 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 63.69 is below the maximum allowable of 75 CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of737 is above the required 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 103.42 months of PITIA. 3 months required. | |||||||||||||||
| 10395816 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: 15.545% LTV is below the 75% max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 804 FICO score is above the 620 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 95.68 months of reserves are above the required 3. | |||||||||||||||
| 10395880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has221 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 798 mid score > min required of 720. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 10 years at present job. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets $XXX/ 8.88 months , 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has 0x30 for 256 months. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%; guidelines allow 85%. | |||||||||||||||
| 10333098 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The full XXX statement for Business bank statement from XXX ending in #XXX #XXX are missing from the loan file. The statement in the loan file ends on XXX, instead of the XXX. | The bank XXX changed names to XXX. The stmt ended at XXX and begin for XXX on XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower has been XXX at current business and profession for 15 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. |
| 10333098 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The full XXX statement for Business bank statement from XXX ending in #XXX, is missing from the loan file. The statement in the loan file ends on XXX, instead of the XXX. | The bank XXX changed names to XXX. The stmt ended at XXX and begin for XXX on XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower has been XXX at current business and profession for 15 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. |
| 10333098 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The rental income of $XXX for XXX (lease & receipt/1007) was not documented in the file. The final 1003 shows the $XXX rental amount which audit used for calculation purposes. | XXX was just purchased. 1007 supporting $XXX was provided. | Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower has been XXX at current business and profession for 15 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. |
| 10333098 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The HOA statements for all the investment properties and the borrower's primary residence, or attestation that there is no HOA, are missing from the loan file. | Received XXX printouts for all borrowers REO verifying no HOA on these properties. | Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower has been XXX at current business and profession for 15 years. CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. |
| 10298558 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The borrowers have been living rent free which requires a rent free letter from the homeowner. The letter in file was from the borrower indicating they don't pay rent to XXX. The address LOE indicates the borrowers are the owners of this LLC but no documentation to confirm that was in the file. | Received business verification for XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required is 6 months. Total reserves verified in the amount of $XXX (9 months) CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 763. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10298558 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX. XXX has a blanket waiver with XXX for this issue. | (No Data) | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required is 6 months. Total reserves verified in the amount of $XXX (9 months) CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 763. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The borrower used 1031 exchange funds of $XXX for the subject closing. However 1031 exchange documents were not provided. | Received 1031 exchange docs | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The PITI for the borrowers primary residence was not confirmed. No mortgage stmt showing escrows or taxes, hazard and HOA were in the loan file . | Received mtg stmt and HOA for the primary escrows included. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification | Received flood | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing sales contract for the subject | Received sales contract | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | The loan closed under XXX the tax id number, Operating agreement, cert of good standing and articles of org/inc were not in the loan file. | Received business entity | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The 1008 was not in the loan file. | Received 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title commitment . | Received title | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313465 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | The UCDP with score of 2.5 or less or appraisal review product was not in the loan file. | Received UCDP | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 12 months reserves after closing. |
| 10313480 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (12 months) CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 747. | |||||||||||||||
| 10313481 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. CFCFS1744: DTI below guideline requirement - XXX Comments: 35.48% DTI is low. | |||||||||||||||
| 10313488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The closing disclosure shows a $XXX credit and it is marked as gift funds, but gift letter was not in the file. The final 1003 shows the $XXX as secured loan proceeds. The file includes a Note and Mortgage for $XXX on the borrower's primary and the note is signed by the borrower. Confirmation the $XXX credit on the CD is from the loan proceeds and not a gift is needed. | Received Note/Mtg to source funds XXX and updated CD showing the loan. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 756. |
| 10313488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | XXX XXX asset statements have been provided for XXX checking XXX. We are missing pages 2-8 of XXX XXX asset statement for savings XXX & checking XXX. | Received XXX complete stmt | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 756. |
| 10313488 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The 1008 was not in the file. | Received 1008 | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 756. |
| 10313491 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Payoff Statement is missing from the loan file. | Received payoff stmt | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: 2.83% DTI is low. CFCFS1737: LTV below guideline requirements - XXX Comments: 69.84% LTV is low. |
| 10313491 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | The photos included with the appraisal are black and white (no color photos). | Received appraisal with color photos. | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: 2.83% DTI is low. CFCFS1737: LTV below guideline requirements - XXX Comments: 69.84% LTV is low. |
| 10318864 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The most recent 12 month payment history for XXX #XXX was not in the file. The credit report/supplements do not shows this mortgage. The statement in file only shows the XXX payment. | Received credit supplement | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 169.85 months of cash reserves. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of Homeowner's Counseling Organizations | (No Data) | Lender provided XXX Homeowners Counselors List - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | (No Data) | (No Data) | Lender provided XXX Initial LE - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD | (No Data) | Lender provided XXX Initial CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | (No Data) | (No Data) | Lender provided XXX Initial CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Missing Initial LE and CD | Lender provided XXX Initial CD & XXX Initial LE | Lender provided XXX Initial CD & XXX Initial LE - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Missing Initial LE and CD | Lender provided XXX Initial CD & XXX Initial LE | Lender provided XXX Initial CD & XXX Initial LE - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing LE | (No Data) | Lender provided XXX Initial LE - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The XXX guidelines indicate an internet search of the business to support the narrative or underwriter certification if there are no returns when attempting the search is required. The internet search or underwriter certificate was not found in the file. | Received business search | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327148 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance Documentation | Received hoi | Satisified | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 9 months ($XXX). Total reserves verified in the amount of $XXX (89 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 680. Mid fico score 805. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. Max allowed LTV is 80%. |
| 10327154 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4643 | Borrower does not meet guideline requirements | No | The subject closing in the name of an entity XXX. This entity is layered the operating agreement provided reflects XXX as a member. According to guidelines layered entity are allowed on a case by case basis no exception was provided. | Received exception approval | Received exception approval | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: The borrowers LTV is 60% and below 75% LTV max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrowers have 55 months reserves after closing. |
| 10345416 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX. XXX has a blanket waiver with XXX for this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX (128 months). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 771. |
| 10354173 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 757. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX (114 months). | |||||||||||||||
| 10362188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Documentation to verify the date of the initial application was not in the file. | Received initial 1003 dated 3/10/2026 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 754 credit score. Minimum required 700. |
| 10374415 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 62.16 months of cash reserves. |
| Client Name: | |||
| Client Project Name: | MSRM 2026-NQM12 | ||
| Start - End Dates: | 8/27/2025 - 8/18/2026 | ||
| Deal Loan Count: | 166 | ||
| Conditions Report 2.0 | |||
| Loans in Report: | 166 | ||
| Loans with Conditions: | 67 | ||
| Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 10357770 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10357772 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 10326096 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326097 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10326098 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10325954 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10325956 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 10325947 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357769 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10357774 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 10357775 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326105 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326136 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326141 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326144 | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 10357783 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 10357785 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326183 | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| 10326188 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 10326189 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10326190 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326194 | XXXXXX | XXXXXX | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | No |
| 10326197 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10326200 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326206 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 10326213 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 10326223 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10326227 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10326236 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10357790 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 10326240 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 10326241 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 10326250 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10326253 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 10357793 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10326272 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10326274 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 10326278 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 10357805 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379196 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357808 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 10357813 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357814 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 10357816 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357818 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357819 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 10379311 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357826 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379318 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10357829 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379324 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379326 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10379328 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379331 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379333 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10379217 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 10379341 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10379181 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10379356 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10379417 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | No |
| 10026404 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10026411 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 10110854 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 10110946 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| 10026630 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395686 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395680 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395616 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395690 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395753 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 10395756 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395827 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395709 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395667 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395760 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395721 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10395802 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395653 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395712 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395613 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395759 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395731 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395746 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395863 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395790 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395621 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395663 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395658 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395774 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395654 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 10395674 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 10395814 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10395820 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 10395807 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 10395629 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395671 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395608 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395633 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 10395657 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395606 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395639 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395597 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395594 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395614 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 10329027 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10329004 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10329005 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10329006 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 10329015 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329020 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329007 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10328999 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10329008 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10329001 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10329002 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10329010 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329011 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329029 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329030 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329014 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10329018 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9362352 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10101265 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101352 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 10101006 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 10101441 | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | No |
| 10101386 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101016 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | No |
| 10101181 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 10101026 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 10101250 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 10101413 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101163 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101446 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 10101256 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101371 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10101356 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 10101193 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 10101442 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 10101349 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10101488 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 10101374 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101285 | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable |
| 10101141 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101172 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10101410 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10101094 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10395779 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395877 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10395743 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395816 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10395880 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10333098 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 10298558 | XXXXXX | XXXXXX | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | No |
| 10313465 | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | No |
| 10313480 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10313481 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10313488 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 10313491 | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No |
| 10318864 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10327148 | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 10327154 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 10345416 | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No |
| 10354173 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10362188 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10374415 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |