Hildene-CCC Depositor II, LLC ABS-15G

Exhibit 99.2 - Schedule 2

 

 

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)
HILD2026NQM1-1   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/17/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-2   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/17/2026 Resolved XXXX Credit Asset Documentation Missing or Defective XXX assets < XXX required liquidity for closing costs and XXX months reserves XXX: Uploaded additional assets XXXX XXX: Received additional assets XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-3   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/22/2026 Resolved XXXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX to XXX XXX: Deed uploaded XXXX XXX: Received Deed XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-4   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/29/2026 Resolved XXXX Credit Title Insurance Coverage - Inadequate Coverage XXX Title insurance coverage < XXX minimum coverage required. XXX: Updated Title Coverage XXXX XXX: Updated Title Coverage XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-5   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-6   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-7   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/05/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-8   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/05/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-9   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-10   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-11   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-12   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-13   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-14   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/11/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-15   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/14/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-16   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/14/2026 Acknowledged XXXX Property Leasehold Requirements Not Met or Not Provided Subject property is a XXX. Per XXX Guidelines; property vesting must be Fee Simple. Properties subject to Ground Leases are ineligible. XXX: Waived XXXX XXX: Waived XXXX Experienced Investor, DSCR> XXX, FICO XXX C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-17   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/15/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-18   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/19/2026 Resolved XXXX Credit Title Insurance Missing or Defective Provided Title Commitment is missing ISAOA after lenders name. XXX: Correct Prelim XXXX XXX:Received correct prelim XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-19   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/19/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-20   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/21/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-21   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/22/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-22   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/22/2026 Resolved XXXX Credit Excessive LTV Ratio 80% LTV > 70% LTV Limit for Purchase with XXX DSCR XXX: Uploaded Lease Agreement increasing DSCR XXXX XXX: Received Lease Agreement increasing DSCR XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-23   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-25   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-26   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit Security Instrument Missing or Defective Missing Security Instrument XXX: Security Instrument uploaded XXXX XXX: Security Instrument received XXXX   D B D A D A B B N/A N/A D D B N/A D D B N/A D D B N/A D D B N/A D D B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-26   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit Title Insurance Missing or Defective Preliminary Title Report and Tax Search show delinquent property taxes in the amount of $XXX. Please provide evidence that property taxes have been paid. XXX: Uploaded proof that taxes were paid XXXX XXX: Received proof that taxes were paid XXXX   D B C A D A B B N/A N/A D D B N/A D D B N/A D D B N/A D D B N/A D D B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-26   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Acknowledged XXXX Property Ineligible Property Subject property has XXX ADUs. Per XXX guides, multiple ADUs are not permitted. XXX: Exception in file XXXX XXX: Exception in file XXXX DSCR XXX Experienced Investor, FICO XXX D B B B D A B B N/A N/A D D B N/A D D B N/A D D B N/A D D B N/A D D B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-27   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-28   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-24   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-29   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Acknowledged XXXX Credit Excessive LTV Ratio 80% LTV > XXX% Limit for a Purchase with STR income. UW States that loan is qualifting with long term rental income, however provided XXX is caluclating Market Rents based on short term rental data. XXX: Waived XXXX XXX: Waived XXXX XXX FICO, XXX months reserves, no lates on credit C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
HILD2026NQM1-30   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-31   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-32   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-33   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-34   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-35   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-36   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-37   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-38   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-39   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/04/2026 Resolved XXXX Credit Hazard Insurance Missing or Defective Individual Dwelling Coverage XXX < XXX loan amount. Policy does not appear to be provided on a replacement cost basis. It is unclear if the XXX Master Policy is providing additional coverage beyond liability. Please advise. XXX: Clarified Master Coverage XXXX XXX: Received clarification on Master building coverage XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-40   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/04/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-41   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/04/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-42   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/17/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-43   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/17/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-44   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/17/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-45   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/19/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-46   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/22/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-47   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/22/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-48   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/22/2026 Acknowledged XXXX Property Property Listed for Sale on Refinance Transaction Subject property delisted less than XXX days before application date. Exception form in file is missing a decision. Please confirm final approval. XXX: Exception approval in file XXXX XXX: Exception approval in file XXXX   C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-49   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/24/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-50   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/25/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-51   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/29/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-52   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-53   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-54   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-55   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/01/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-56   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/01/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-57   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-58   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-59   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/13/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-60   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/15/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-61   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/15/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-62   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-63   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-64   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-65   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-66   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-67   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/28/2026 Resolved XXXX Property Hazard Insurance Missing or Defective Missing evidence of hazard insurance for subject property: XXX XXX: Hazard Insurance uploaded XXXX XXX: Hazard Insurance received XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-68   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-69   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-70   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-71   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-72   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-73   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-74   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/03/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-75   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/04/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-76   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/04/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-77   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-78   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-79   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/17/2026 Acknowledged XXXX Credit Credit Event – Requirement Not Met Credit Report reflects a Utility Account XXX days past due. Per guides, past due accounts must be brought current XXX: Waiver in file XXXX XXX: Waiver in file XXXX FICO XXX, XXX months reserves, XXX DSCR D B C B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
HILD2026NQM1-79   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/17/2026 Resolved XXXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: Conveyance Deed from XXX XXXX XXX: Received Conveyance Deed XXXX   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
HILD2026NQM1-80   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-81   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-82   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-83   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Acknowledged XXXX Property Ineligible Property Subject property delisted less than XXX days before application date XXX: Waiver in file XXXX XXX: Waiver in file XXXX FICO XXX 62.53% LTV, XX/XX/XXXX DSCR B B B B A A B B N/A N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
HILD2026NQM1-84   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-85   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXXX Credit Security Instrument Missing or Defective Security Instrument in file is missing signature XXX: Signed Deed of Trust uploaded XXXX XXX: Signed Deed of Trust received XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-86   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXXX Credit Title Insurance Missing or Defective Missing Title Insurance for subject property: XXX XXX: Title uploaded XXXX XXX: Title received XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-87   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-88   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/31/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-89   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-90   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-91   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-92   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-93   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable guides           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
HILD2026NQM1-94   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/31/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-94   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/15/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-94   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/15/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-95   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided. XXXX XXXX B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-95   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-95   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-96   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/28/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX 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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-96   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-96   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/28/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-97   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/06/2026 Resolved XXXX Credit Verification of Borrower Liabilities Missing or Incomplete IRS Statement in file dated XX/XX/XXXX reflects borrower owes XXX per email from escrow officer, this debt is being paid off through a separate transaction (appears borrower is doing other transactions with lender); no evidence in file debt was paid. Per Guidelines, to remain open with evidence of installment plan and minimum of XXX months payments paid. Document Uploaded. XXXX Documentation is sufficient. Proof tax lien was paid provided. Exception resolved. XXXX 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
HILD2026NQM1-97   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/06/2026 Resolved XXXX Compliance No Compliance Findings Transaction meets BP guidelines. Transaction is a cash out refinance of investment property and is exempt from TRID/QM. According to the BP letter on page XXX no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations.     Informational XXXX 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
HILD2026NQM1-97   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/06/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. ; Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided.; Affiliated Business Disclosure was not included in attached documents and privacy policy shows the lender has affiliates. Please provide Affiliated Business Disclosure or confirm no affiliates were used in transaction. XXXX 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% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/14/2026 Rescinded XXXX Compliance Revised Loan Estimate Delivery Date Test (prior to consummation) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Exception fired in error - Receipt date in loan file, exception rescinded. Exception fired in error - Receipt date in loan file, exception rescinded.       XXXX   C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (prior to consummation) This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(B) he initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(XXX)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Documentation required to clear exception: The Initial Loan Estimate is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date of XX/XX/XXXX. Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Compliance Charges That In Total Cannot Increase More Than XXX% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception: The Initial Loan Estimate is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date of XX/XX/XXXX. Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-98   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/06/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Compliance Charges That Cannot Increase Test TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and all of the Changed Circumstances forms. Additional testing will be completed, once the initial LE and the COC's are provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. ; Document Uploaded. XXXX Valid COC provided; exception resolved; Valid COC provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points. No COC's or lock confirmations were found in file to confirm increases in discount points. Increases in discount points began on LE XX/XX/XXXX. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Compliance Charges That In Total Cannot Increase More Than XXX% Test TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE and all of the Changed Circumstances forms. Additional testing will be completed, once the initial LE and the COC's are provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (from application) The application date listed in the loan file is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires the initial LE dated within XXX business days of XX/XX/XXXX. The loan file contains an Acknowledgement of Receipt of Loan Estimate (pg. XXX), signed on XX/XX/XXXX, but the initial LE is missing. Once the initial LE is provided, dated within XXX days of application, additional testing will be completed. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Document Uploaded. XXXX Initial LE provided - exception resolved; Initial LE provided - exception resolved XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-99   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/08/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-100   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 05/08/2026 Resolved XXXX Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: -The Discount Points increased from XXX to XXX on the revised CD dated XX/XX/XXXX. The file does not contain a valid COC for the increase of this fee. Document Uploaded. XXXX Valid COC provided - exception resolved; Valid COC provided - exception resolved XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-100   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 05/08/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-100   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 05/08/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-100   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 05/11/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-101   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/13/2026 Resolved XXXX Credit Personal Guaranty Agreement Incomplete Personal Guaranty Incomplete. Personal Guaranty must be provided by all members of the Business Entity (not provided for XXX% XXX) - managing member not determined. XXX is not a Borrower on this transaction, per guidelines only a Borrower will sign the PGA.; Document Uploaded. XXXX Personal Guaranty provided.; Missing personal Guaranty documentation requested. Exception remains. XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-101   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/13/2026 Resolved XXXX Credit Property Title Issue Property Title Issue Evidence borrower is majority XXX for proof they are the documented signer/managing member of the business entity is required per Guidelines. Document Uploaded. XXXX Property Title Issue Resolved XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C 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
HILD2026NQM1-101   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/12/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-101   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/13/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Compliance Charges That Cannot Increase Test TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Compliance Charges That In Total Cannot Increase More Than XXX% Test TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (from application) Documentation required to clear exception. The earliest Initial Loan Estimate in file was issued XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Compliance Higher-Priced Mortgage Loan Test No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     Informational XXXX 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% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-102   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/13/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-103   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/20/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-103   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/20/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-103   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/20/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-104   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/21/2026 Resolved XXXX Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Missing third-party verification confirming the business is in existence, in good standing and active. Document Uploaded. XXXX Documentation is sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided. XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-104   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/21/2026 Resolved XXXX Credit Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The purchase contract and all related addendums require signatures from both Borrowers. However, only extension addendum provided included the Co-Borrower’s signature, while the remaining contract documents were signed by the Borrower only. Please provide a fully executed contract and addendums. Document Uploaded. Please accept addendum adding Co-Borrower after the original contract. This should suffice. XXXX Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete. XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-104   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/21/2026 Resolved XXXX Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements. The Borrowers received gift funds in the amount of XXX at close. Please provide evidence that the donor gave the closing agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. Document Uploaded. XXXX Documentation is sufficient. Receipt provided. Exception resolved.; Asset Qualification Meets Guideline Requirements. XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A C 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
HILD2026NQM1-104   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/21/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-104   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/26/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-105   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Compliance Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Document Uploaded. XXXX Initial CD provided - exception resolved; Initial CD provided - exception resolved XXXX 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 42.86% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-105   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. XXXX Evidence of eConsent is provided. XXXX 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 42.86% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-105   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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 42.86% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-105   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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 42.86% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-105   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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 42.86% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.86% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-106   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required - refund in the amount of XXX cure package requires a PCCD, LOE, and copy of Refund Check, or valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for Credit Report Fee on CD XX/XX/XXXX without a COC. Document Uploaded. XXXX valid COC provided, exception resolved; valid COC provided, exception resolved XXXX 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 A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-106   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception - Provide proof that the ABD was provided prior to closing or provide confirmation that the lender has no affiliates Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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 A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-106   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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 A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-106   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/28/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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 A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-107   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/29/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Documentation is sufficient. No affiliates. Exception resolved.; Required Affiliated Business Disclosure Documentation Provided. XXXX 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 B A D A A A B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-107   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/29/2026 Resolved XXXX Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Primary residence retained with mortgage serviced by XXX Mortgage per Final 1003 with monthly PITI of $XXX; evidence payment includes tax & insurance and complete XXX months history is required, not reporting on credit report. Document Uploaded. XXXX Documentation is sufficient. VOM provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing XXXX 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 B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-107   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 05/29/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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 B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-108   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Compliance Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. Document Uploaded. XXXX Initial CD receipt date provided - exception resolved; Initial CD receipt date provided - exception resolved XXXX 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% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 85% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 85% D A C A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-108   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Credit Borrower 1 Personal Bank Statements Missing Borrower 1 Personal Bank Statements Missing Loan approved as Alt Doc with XXX Months Personal Bank Statements per Loan approval; full XXX months Statements are missing to support qualifying income of XXX per month Document Uploaded. XXXX Documentation is sufficient. Bank Statements provided. Exception resolved.; Borrower 1 Personal Bank Statements Provided. XXXX 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% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 85% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 85% D A D A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-108   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 85% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 85% D A B A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-108   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 85% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 85% D A A A D A A A C A D D A C D D A C D D A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-109   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Rescinded XXXX Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) No assets reflected on Final 1003 or in loan file; Cash out of XXX may be used for required XXX months reserves in the amount of $XXX; assets to cover required reserves are short by XXX Document Uploaded. XXXX No reserves required for rate and term refi with LTV less than XXX% per guidelines. Exception rescinded.; No reserves required for rate and term refi with LTV less than XXX% per guidelines. Exception rescinded.; Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) XXXX   B B A A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
HILD2026NQM1-109   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Rescinded XXXX Credit Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. No assets reflected on Final 1003 or in loan file; Cash out of XXX may be used for required XXX months reserves in the amount of $XXX; assets to cover required reserves are short by XXX Document Uploaded. XXXX ; Audited Reserves of $ are equal to or greater than AUS Required Reserves of XXX XXXX   B B A A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
HILD2026NQM1-109   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 75% B B B A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
HILD2026NQM1-109   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 75% B B A A B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
HILD2026NQM1-109   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/01/2026 Acknowledged XXXX Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines Income per Guidelines for XXX month P&L is to use Net Income / XXX months. Lender exception in file to use XXX and YTD XXX P&L / XXX months to qualify: XXX + XXX + XXX (Meals) / XXX = XXX per month. Compensating Factors Include: Borrower S/E XXX years; Credit is paid as agreed. Exception approved.         Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 75% B B B B B B A A B A B B A B B B A B B B A B B B A B B B A B B B A A B B A A B B A A B B A A B B A A
HILD2026NQM1-110   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/16/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-110   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/16/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-110   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/18/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-111   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/25/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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. B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-111   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/26/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-111   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 06/26/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-112   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXX Compliance Charges That Cannot Increase Test TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Broker fee on the CD issued XX/XX/XXXX without a valid reason. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. XXXX Valid COC provided; exception resolved; Valid COC provided; exception resolved XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.62% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 23.62% is less than Guideline LTV of 75% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-112   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.62% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 23.62% is less than Guideline LTV of 75% C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-112   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.62% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 23.62% is less than Guideline LTV of 75% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-112   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/08/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.62% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 23.62% is less than Guideline LTV of 75% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-113   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/14/2026 Resolved XXXX Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Credit Report is missing Document Uploaded. XXXX Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. XXXX 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. 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 B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-113   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/15/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required. Please provide proof that the Affiliated Business Disclosure was provided prior to closing of provide proof that the lender has no affiliates or made no referral of business to affilaites Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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. 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 B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-113   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/14/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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. 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 B A D D A B D D A B D D A B D D A B D D A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-114   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/16/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-114   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/16/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-114   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/16/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-115   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 07/29/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Qualifying 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. B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-115   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 07/29/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Qualifying 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-115   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 07/29/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Qualifying 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. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. ; Document Uploaded. Affiliated Business Arrangement. XXXX Required Affiliated Business Disclosure Documentation Provided.; The attached Affiliated Business is for the broker-- please provide the affiliated business disclosure for the lender or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (prior to consummation) This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(B) he initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(XXX)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Compliance Charges That In Total Cannot Increase More Than XXX% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Compliance Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Independence Day (XX/XX/XXXX s not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Document Uploaded. XXXX Initial LE provided; exception resolved; Initial LE provided; exception resolved XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-116   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 07/29/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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 A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-117   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/29/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-117   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/29/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-117   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 07/30/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-118   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/03/2026 Rescinded XXXX Credit Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI > XXX% max as result of REO XXX, lender used monthly tax amount of XXX vs Audit verified amount per XXX tax bill of XXX per month Document Uploaded. DTI is under XXX% meets Guidelines. XXXX Documentation in file is sufficient. DTI within guidelines. Exception rescinded.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% XXXX   C A C A C A A A B A C C A B C C A B C C A B C C A B C C A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-118   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/03/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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 B A C A A A B A C C A B C C A B C C A B C C A B C C A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-118   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/03/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX 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 B A C C A B C C A B C C A B C C A B C C A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-119   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/03/2026 Resolved XXXX Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing borrowers attestation of HOA for their primary residence XXX Document Uploaded. Mortgage Statement showing that property is escrowed XXXX Verification of taxes, insurance and HOA Fees provided.; Missing verification of taxes, insurance, and/or HOA fees for non-subject property.; Cleared per mortgage Statement verifying PITIA of XXX for primary residence located at XXX Vermont Avenue XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-119   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/03/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-119   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/05/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-120   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/05/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX 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 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-120   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/05/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational ;.; Informational XXXX 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 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-120   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/05/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational ;.; Informational XXXX 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 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-121   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/10/2026 Resolved XXXX Credit Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements Missing. Per the Lender Approval and XXX Memo the borrower was qualified with Alt Doc type XXX Months Business Bank Statements using a standard XXX% expense ratio from their XXX business account utilizing XXX through XXX and XXX (new business account) for XXX through XXX with result of qualifying income of XXX per month. Document Uploaded. XXXX Documentation is sufficient. Bank Statements provided. Exception resolved.; Borrower 1 Business Bank Statements Provided. XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-121   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/07/2026 Resolved XXXX Credit HO6 Master Insurance Policy is Missing Missing HO-6 Master Insurance Policy. Subject Master Policy is missing Document Uploaded. XXXX Documentation is sufficient. Master policy provided. Exception resolved.; HO-6 Master Insurance Policy is provided. XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-121   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/10/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-121   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/10/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     informational XXXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. 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
HILD2026NQM1-122   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/12/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-122   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/13/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-122   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/13/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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
HILD2026NQM1-123   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/14/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. C A B A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-123   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/12/2026 Rescinded XXXX Property Third Party Valuation Product Not Provided within XXX% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is missing     ; CDA with no variance in file.; XXXX   C A C A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-123   XXX XXXXX XX/XX/XXXX $XXXXXX XXX QM: Safe Harbor APOR (APOR SH) Loan Review Complete 08/12/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational XXXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. C A A A A A C A B A C A C B C A C B C A C B C A C B C A C B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-124   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/13/2026 Resolved XXXX Credit B1 Tax Preparer Credential Verification Does Not Meet Guidelines B1 Tax Preparer Credential Verification does not meet guidelines. CPA verification from a third party through a regulatory agency or applicable business license verification of business to include a phone listing and address using an independent third party, i., internet search is missing Document Uploaded. XXXX B1 Tax Preparer Credential Verification meets guidelines. Loan is XXX loan : Per GL Borrowers must have at least XXX% ownership of the business. The lender must verify the borrower’s percentage of ownership. Acceptable forms of documentation include a business license, a signed written Statement from a CPA or a Third-Party Tax Preparer (XXX and XXX tax preparers that work for a 3rd party firm may be permitted), an Operating Agreement, Articles of Incorporation/Articles of Organization, a XXX Agreement, or a Business Certificate filed with a governmental agency. Documentation showing sole member entity or sole proprietor is acceptable to indicate XXX% ownership. CPA letter and Operating Agreement page XXX and no Attestation provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A C A A A B A C C A B C C A B C C A B C C A B C C A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-124   XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Loan Review Complete 08/14/2026 Resolved XXXX Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. XXXX Required Affiliated Business Disclosure Documentation Provided. XXXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B A C A A A B A C C A B C C A B C C A B C C A B C C A B A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-125   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/24/2026 Resolved XXXX Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-125   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/24/2026 Resolved XXXX Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
HILD2026NQM1-125   XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/24/2026 Resolved XXXX Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A