SALUDA GRADE MORTGAGE FUNDING LLC ABS-15G
Exhibit 99.2 - Schedule 1
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 1000225389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.35% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000225389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.35% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000225389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.35% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Waived | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Lender matrix requires prior loan modifications to be seasoned at least XXX years. The Borrowers modified their current senior lien on XX/XX/XXXX, which was less than XXX years from the subject loan closing. | Document Uploaded. | 04/16/2026 | Lender exception for modification < XXX years prior to XXX approved by investor on XX/XX/XXXX. | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 80% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 80% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236669 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.29% is less than Guideline LTV of 80% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Additional valuation is required, per the guidelines. | Third party valuation product provided within tolerance. | 05/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.68% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.31% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The Lender requires a fully completed Bank Statement Questionnaire. The Bank Statement Questionnaire in file is blank other than the borrower's e-signature. Please provide a fully complete and signed Bank Statement Questionnaire for review. | Document Uploaded. | 09/01/2026 | Income and Employment Meet Guidelines. XXX and XXX tax transcripts provided | 09/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.34% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.34% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252962 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.53% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.34% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000219264 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Bank Statement Questionnaire. | Questionnaire found on page XXX Condition rescinded. | 11/06/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 1000219264 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000219264 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000225369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Not a requirement based on guidelines of <$XXX and <XXX% LTV. | Third party valuation product provided within tolerance.; | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000225369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000225369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.72% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Rescinded | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Both DOT and Note are dated XX/XX/XXXX but signed on XX/XX/XXXX. Please review and revise if necessary. | Looks like the Doc Date was set to XX/XX/XXXX in error. Please let me know if this is an issue and we need to get the Mortgage Re Recorded | 04/16/2026 | Notary date matches signature dates on both Note and Mortgage and disbursement date is in line with date signed. Okay to accept per management. Condition rescinded. | 04/17/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1000236662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.72% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236662 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.72% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX Unable to determine, credit report missing | Credit Report uploaded | 03/30/2026 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX Lender used XXX% of business assets in XXX #XXX, however, Borrower is only XXX% owner of XXX (the remaining XXX% is owned by the Borrower's EX-spouse not B2). Using only XXX% of the business account and cash out received at closing resulted in insufficient reserves. | Uploaded XXX to other reserves finding. | 04/06/2026 | Lender exception to use remaining line of credit not drawn upon to cure insufficient reserves approved by investor on XX/XX/XXXX. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Waived | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Lender used XXX% of business assets in XXX #XXX, however, Borrower is only XXX% owner of XXX (the remaining XXX% is owned by the Borrower's EX-spouse not B2). Using only XXX% of the business account and cash out at closing resulted in insufficient reserves. | Document Uploaded. ; Document Uploaded. Uploaded XXX with exception. | 04/06/2026 | Lender exception to use remaining line of credit not drawn upon to cure insufficient reserves approved by investor on XX/XX/XXXX. | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. | 03/30/2026 | Borrower 1 Credit Report is not missing. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing. | Document Uploaded. | 03/30/2026 | Borrower 2 Credit Report is not missing. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Unable to determine, credit report missing | Credit Report uploaded | 03/30/2026 | Housing History Meets Guideline Requirements | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236656 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.39% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Third party VVOE in file is dated XX/XX/XXXX which is XXX days of the closing date. Please provide a VVOE dated within XXX calendar days of XX/XX/XXXX as required per guidelines. | Document Uploaded. Uploaded SOS. | 04/21/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. Third party VVOE in file is dated XX/XX/XXXX which is XXX days of the closing date. Please provide a VVOE dated within XXX calendar days of XX/XX/XXXX as required per guidelines. | Uploaded SOS to other finding. | 04/21/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236665 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.74% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Credit Report. Please provide the Borrower 1 Credit Report for review. | Document Uploaded. | 04/14/2026 | Borrower 1 Credit Report is not missing. | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.62% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Rescinded | FCRE4678 | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The applicable Guidelines allow a maximum payment shock of XXX% The Borrower's payment shock is XXX%. | XXX. I do not show that there is a payment shock issue. The LTV is low and the borrower has plenty of his own reserves in his business account. Thank you | 04/14/2026 | HELOC matrix does not reflect a payment shock requirement. Exception rescinded. | 04/15/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1000236658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.62% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236658 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.62% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Please provide an updated XXX and XXX updating the DTI using the qualifying payment. | Document Uploaded. ; Document Uploaded. ; Hey. Can you please what is needed to clear as we match on our end. thank you | 04/28/2026 | Approval/Underwriting Summary is fully present; Original XXX and XXX were uploaded. The subject lien qualifying payment is XXX however, it appears XXX was used. Please provide an updated XXX and XXX updating the DTI and reserves using the correct qualifying payment. Thank you.; The subject lien qualifying payment is XXX however, it appears XXX was used. Please provide an updated XXX and XXX updating the DTI and reserves using the correct qualifying payment. Thank you.; Material | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.61% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Credit Report. Please provide the Borrower 1 Origination Credit Report for review. | Document Uploaded. | 04/16/2026 | Borrower 1 Credit Report is not missing. | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.61% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. The loan file does not contain the Borrower 2 Credit Report. Please provide the Borrower 2 Credit Report for review. | Document Uploaded. | 04/16/2026 | Borrower 2 Credit Report is not missing. | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.61% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.61% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236670 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.46% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.61% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.99% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.99% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236663 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.99% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Waived | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow collections or charge offs in the last XXX months. The Borrowers' credit report reflects a charge off and a collection account reported XXX/XXX. The Lender Approved Exception did not address this guideline violation. In addition, the applicable Guidelines require XXX years seasoning for loan modifications. The Lender approved the Borrowers with a prior loan modification on XX/XX/XXXX, based on the following compensating factors: | Document Uploaded. ; Document Uploaded. | 04/20/2026 | Lender exception for modification within XXX years approved by investor on XX/XX/XXXX. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.81% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000236671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.81% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236671 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.81% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000236661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236661 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Please provide a corrected XXX/XXX that reflects the correct senior lien P&I payment and DTI. | Document Uploaded. ; Documents uploaded in separate condition, will those clear this condition? | 04/14/2026 | Approval/Underwriting Summary is fully present; A corrected XXX and XXX were not uploaded to the other condition. Please provide a revised XXX and XXX with the correct 1st lien P/I payment and DTI. Thank you.; Material | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan file does not contain the mortgage payment history for the XXX on the subject property prior to the current senior lien dated XX/XX/XXXX. Prior to this mortgage, the Borrowers opened a XXX in the amount of XXX on XX/XX/XXXX. Please provide the payment history for this mortgage. | Document Uploaded. | 04/13/2026 | Housing History Meets Guideline Requirements | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236659 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.33% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Credit Report. Please provide the Borrower 1 Credit Report for review. | Document Uploaded. | 04/20/2026 | Borrower 1 Credit Report is not missing. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236666 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.2% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrowers Credit Report. Please provide the Borrowers Credit Report for review. | Document Uploaded. | 04/21/2026 | Borrower 1 Credit Report is not missing. | 04/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000236672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236672 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.58% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 07/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 07/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252952 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 07/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.89% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000236652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.6% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.32% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252949 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/30/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.34% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM0362 | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing. Documentation required to clear exception: Provide final Disbursement or Settlement Statement. | docs upld to Final 1003 condition. thanks | 07/17/2026 | Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing.; Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing.; Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing.; Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing. | 09/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Please provide the 1003 for review. | Document Uploaded. ; Per the fraud report they are listed in the borrower business name XXX. Please see upld fraud report upld with the original file. thank you; Hey. the other properties were commerical properties. thanks ; Document Uploaded. | 08/04/2026 | The Final 1003 was provided along with documentation to support the original XXX REO properties reflected on the initial 1003 that were omitted on the Final 1003 were in the name of the Business/LLC. Condition cleared.; The following properties are not reflected in the fraud report to confirm owned by the Borrower's business: XXX , XXX , XXX ; XXX ; and XXX . Please provide documentation to support the omission of those properties from the initial 1003. Thank you.; Please provide the documentation to support the XXX properties originally reflected on the initial 1003 were commercial properties. Thank you.; The Final 1003 received removed REO properties that were originally listed as XXX that were reflected on the initial 1003. Please provide the documentation to support the removal of the XXX REO properties originally listed. | 08/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1292 | Credit | Income 1 Months Income Verified is Missing | Income 1 Months Income Verified is Missing. The file is missing much of the data that is needed for the REO properties income. Please provide all income and expense data for the XXX REO properties for review. | Document Uploaded. ; Per the fraud report they are listed in the borrower business name XXX. Please see upld fraud report upld with the original file. thank you; Document Uploaded. ; Document Uploaded. ; Document Uploaded. per the final signed 1003 there are not XXX properties | 08/04/2026 | Documentation received confirming XXX other REO properties reflected on the initial 1003 were in the name of the business or an LLC. Net rental income/loss confirmed on remaining XXX REO properties. Condition cleared.; The following properties are not reflected in the fraud report to confirm owned by the Borrower's business: XXX , XXX , XXX ; and XXX . Please provide documentation to support the omission of those properties from the initial 1003. Thank you.; Thank you for providing documentation to confirm no HOA dues for XXX . This condition is tied to the Final 1003 and missing the documentation to confirm the XXX properties removed were commercial properties. Upon receipt of that documentation, this condition will be resolved. ; Please provide documentation to verify HOA dues for XXX .; Please provide taxes, insurance, HOA dues, rental income documentation, and proof owned free and clear for XXX XXX and provide taxes, insurance, HOA dues for XXX (property XXX on the Final 1003) and evidence to confirm it is owned free and clear. | 08/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM3490 | Compliance | HELOC Authorization To Pay Missing | HELOC Authorization To Pay is missing. Documentation required to clear exception: Provide final HELOC Authorization to Pay. | docs upld to Final 1003 condition. thanks | 07/17/2026 | HELOC Authorization To Pay is present. | 07/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | docs upld to Final 1003 condition. thanks | 07/17/2026 | Right of Rescission is Provided. | 07/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Rescinded | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 2nd Mortgage P&I is incorrect. Please revise and send an updated XXX/XXX for review | The calculation was stemmed from the interest type indicator being Simple instead of XXX. Updated to match and figures were completed correctly to match lender. ; Approval/Underwriting Summary is fully present; Received email from client on their calculation. | 07/16/2026 | D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 1000252955 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 07/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.36% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.7% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Waived | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Per guidelines, the minimum loan amount is $XXX; however, the Note reflects a loan amount of XXX A lender exception has been approved and documented in the Credit Risk Summary & Exception Approval. Compensating Factors : Credit Score - Fico score XXX DTI - XXX%(Housing Ratio) or XXX% (Total); Employment Stability - Borrower with same Employer/Business for XXX years; Payment Shock - Qualifying Payment Shock is XXX%; Reserves - Verified Reserves are XXX; Credit History - XXX - last XXX months | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Per guidelines, the minimum loan amount is $XXX; however, the Note reflects a loan amount of XXX A lender exception has been approved and documented in the Credit Risk Summary & Exception Approval. Compensating Factors : Credit Score - Fico score XXX DTI - XXX%(Housing Ratio) or XXX% (Total); Employment Stability - Borrower with same Employer/Business for XXX years; Payment Shock - Qualifying Payment Shock is XXX%; Reserves - Verified Reserves are XXX; Credit History - XXX - last XXX months | 07/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.76% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000252953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Please provide the FACTA. | Document Uploaded. | 07/16/2026 | FACTA Credit Score Disclosure is provided. | 07/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.76% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 1000252953 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 07/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.76% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000252963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.31% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.31% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252963 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.31% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The required Bank Statement Questionnaire in the loan file was not fully-executed. Although the Form had a signature, it was not dated. In addition, none of the required information was entered. Please provide a fully-executed Business Questionnaire. | Document Uploaded. | 07/16/2026 | Fully completed and executed bank Statement questionnaire received and matches information reflected on the Final 1003. Income and Employment Meet Guidelines. Condition cleared. | 07/17/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.61% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 07/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.61% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252951 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 07/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.61% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2026 | Waived | FVAL5385 | Property | Property has been listed for sale in the past XXX months | The applicable Guidelines no not allow the subject property to have been listed for sale in the last XXX months. The subject loan closed on XX/XX/XXXX. The Listing History section of the AVM in the loan file shows the subject property had been listed for sale in the last XXX months, with the listing withdrawn on XX/XX/XXXX. | Document Uploaded. ; In Short, section XX/XX/XXXX Property Listing History indicates: XXX. If property was listed w in past XXX-months, that the value of the property is to be the lesser of the current value, or XXX AVM, or list price. In this case, we used the AVM, which is XXX to determine value versus the XXX list price – we are ok here. XXX. Property was taken off market – Again, ok, as you indicated, property as taken off XX/XX/XXXX We should be good to go. | 07/28/2026 | Lender exception for property listed for sale within XXX months approved by investor on XX/XX/XXXX.; Per the HELOC matrix which is specific to this transaction, the subject property cannot have been listed for sale in the last XXX months. The guidelines quoted were not specific to HELOC's or Second Mortgages, yet for Portfolio Programs in general. Condition remains. | 07/29/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.74% is less than Guideline CLTV of 85% | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 1000252950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 07/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.74% is less than Guideline CLTV of 85% | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 1000252950 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 07/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.5% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.74% is less than Guideline CLTV of 85% | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 1000252954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing. Guidelines require a CPA letter stating borrowers percentage of ownership. | Document Uploaded. | 07/14/2026 | Borrower 1 CPA Letter Provided. A copy of the Annual Report Cert confirming borrower is CEO of the business has been deemed sufficient to confirm full ownership. Resolved.; ; Registered Agent/ CEO / Directors does not confirm percentage of ownership. Please provide CPA letter that confirms the Borrower as XXX% owner. | 07/27/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.66% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 07/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.66% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252954 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 07/13/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.66% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.26% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/24/2026 | Waived | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 79.35% exceeds Guideline HCLTV of 75% Program LTV exception - guideline XXX% max - actual XXX 80% CLTV allowed with XXX personal reserves | Audited HLTV of 79.35% exceeds Guideline HCLTV of 75% Program LTV exception - guideline XXX% max - actual XXX 80% CLTV allowed with XXX personal reserves | 09/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.77% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000252961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.77% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000252961 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.77% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 1000252957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. The required Bank Statement Questionnaire in the loan file for Borrower 1 was not fully executed. Although the Form was signed and dated, none of the required information was entered. Please provide a fully executed Business Questionnaire. | Document Uploaded. | 08/07/2026 | Income and Employment Meet Guidelines.; Completed Business Bank Statement Questionnaire received. Income and Employment Meet Guidelines. Condition cleared. | 08/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.8% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 1000252957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/06/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.8% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252957 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/06/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.8% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.96% is less than Guideline LTV of 85% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.82% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.82% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.82% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.52% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.52% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1000252956 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.52% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.04% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||