j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.8
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 305043425 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305072500 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305072501 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-03-06 17:29 | 2026-03-26 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/25/2026 Counter-Document Uploaded. Missing the EIN for xxx - the EIN provided is for xxx - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached which were in the file - Buyer-03/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation evidencing the Business Entity EIN for xxx Taxpayer Number provided is not the same as the EIN/TIN, as the EIN/TIN is issued by the xxx, while the xxx Taxpayer Number is issued by the xxx Comptroller of Public Accounts. Per xxx (Business Entity), the entity’s Tax Identification Number must be provided. - Due Diligence Vendor-03/06/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-03/26/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305072495 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305072503 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-03-06 18:46 | 2026-03-09 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Documents provided - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached which were in the file. - Buyer-03/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the EIN and Operating Agreement for xxx. Per xxx (Business Entity), required documentation includes formation and operating documents (e.g., Certificate of Formation and Operating Agreement) and the entity’s Tax Identification Number. - Due Diligence Vendor-03/06/2026 |
Resolved-Entity Documents provided - Due Diligence Vendor-03/09/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305072496 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305072504 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305072502 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305072505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097003 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-04-03 11:38 | 2026-04-13 12:52 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-proof of receipt of the $xxx rent for the subject property at xxx provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see attached which were in the file - Buyer-04/11/2026 Open-Provide proof of receipt of the $xxx rent for the subject property at xxx, as required per the executed lease agreement. Evidence of receipt for the $xxx security deposit has been provided; however, proof of receipt for the $xxx rent remains outstanding. Per GL, for new lease agreements, evidence of receipt must be provided in accordance with the lease terms. Additional conditions may apply upon review. - Due Diligence Vendor-04/03/2026 |
Resolved-proof of receipt of the $xxx rent for the subject property at xxx provided - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305072240 | D | A | A | A | D | A | A | A | Closed | FCOM6472 | 2026-04-06 06:04 | 2026-06-04 08:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Corrected Note and PPP Rider provided - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. see attached correction. - Buyer-06/03/2026 Open-Note and other docs LLC name is xxx instead of correct xxx - Due Diligence Vendor-04/06/2026 |
Resolved-Corrected Note and PPP Rider provided - Due Diligence Vendor-06/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305072240 | D | A | A | A | D | A | A | A | Closed | FCOM1223 | 2026-04-03 17:24 | 2026-04-28 08:03 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-Corrected Mortgage provided - This Mortgage is being re-recorded to correct the spelling of the borrower's name. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. see attached re-recording - Buyer-04/27/2026 Open-The Deed of Trust is Not Executed Missing signed deed of trust, 1-4 family rider and prepayment rider also LLC name is misspelled xxx - Due Diligence Vendor-04/03/2026 |
Resolved-Corrected Mortgage provided - This Mortgage is being re-recorded to correct the spelling of the borrower's name. - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305097451 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305097537 | C | A | C | A | A | A | A | A | Closed | FCRE9488 | 2026-04-07 12:38 | 2026-05-12 15:25 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/12/2026 Open-The co borrower's Final 1003 Declarations section 5a shows the co-borrower intends to occupy the subject but the property is showing as an investment SFD 1 unit. Please verify and/or obtain corrected 1003 or occupancy change docs and reapproval. - Due Diligence Vendor-04/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.97 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 56.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE1467 | 2026-04-09 03:54 | 2026-05-13 17:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/16/2026 Ready for Review-Updated 1003 showing only the xxx being used not using the #xxx - Seller-04/15/2026 Counter-The condition is for Missing xxx statement. - Due Diligence Vendor-04/14/2026 Ready for Review-updated 1003- only xxx used. - Seller-04/13/2026 Open-Asset 1 Missing - xxx - Due Diligence Vendor-04/09/2026 |
Ready for Review-Updated 1003 showing only the xxx being used not using the #xxx - Seller-04/15/2026 Ready for Review-updated 1003- only xxx used. - Seller-04/13/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE1468 | 2026-04-09 03:54 | 2026-05-13 17:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/16/2026 Ready for Review-Page 30 of 4/13 condition upload - Seller-04/16/2026 Open-Asset 2 Missing- xxx - Due Diligence Vendor-04/09/2026 |
Ready for Review-Page xxx of xxx condition upload - Seller-04/16/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE1469 | 2026-04-09 03:54 | 2026-05-13 17:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/16/2026 Ready for Review-page 23 of xxx upload statement is included. - Seller-04/16/2026 Open-Asset 3 Missing- xxx - Due Diligence Vendor-04/09/2026 |
Ready for Review-page xxx upload statement is included. - Seller-04/16/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE1814 | 2026-04-09 08:35 | 2026-04-16 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-04/16/2026 Ready for Review-Provided entity docs. COGS is not required on newly formed LLC. Articles of Organization were filed and shows in good standing currently. - Seller-04/15/2026 Counter-The condition is for all Entity documents for xxx as they are missing from the Lenders loan files. the following documents are required: Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-04/14/2026 Ready for Review-Only one entity involved. - Seller-04/13/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxx - Due Diligence Vendor-04/09/2026 |
Ready for Review-Provided entity docs. COGS is not required on newly formed LLC. Articles of Organization were filed and shows in good standing currently. - Seller-04/15/2026 Ready for Review-Only one entity involved. - Seller-04/13/2026 |
Resolved-Entity docs provided - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE1197 | 2026-04-09 04:03 | 2026-04-16 14:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-04/16/2026 Ready for Review-See page xxx of upload from xxx. Credit report shows xxx fico. - Seller-04/16/2026 Open-Audited FICO of is less than Guideline FICO of xxx - Due Diligence Vendor-04/09/2026 |
Ready for Review-See page xxx of upload from xxx. Credit report shows xxx fico. - Seller-04/16/2026 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FCRE5770 | 2026-04-09 03:30 | 2026-04-16 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/16/2026 Ready for Review-Credit report is on page xxx of xxx on xxx - Seller-04/15/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Credit report is on page xxx on xxx upload from xxx - Seller-04/15/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097553 | D | A | D | A | A | A | D | A | Closed | FPRO8394 | 2026-04-09 08:59 | 2026-04-14 12:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Internal Appraisal Review | Resolved-Desk review uploaded on xxx - Due Diligence Vendor-04/14/2026 Ready for Review-cda in file - Seller-04/13/2026 Open-MIssing Secondary Valuation product review- per guidelines - Include an SSR score of 2.5 or less, or be the subject of a xxx Collateral Desktop Analysis report satisfactory to Investor Funding. - Due Diligence Vendor-04/09/2026 |
Ready for Review-cda in file - Seller-04/13/2026 |
Resolved-Desk review uploaded on xxx - Due Diligence Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097755 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305097571 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097286 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-04-21 14:21 | 2026-04-24 07:58 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired. Per xxx_ The gap credit report or soft-pull is to be dated within 15 days of the Note date. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 305097286 | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2026-04-21 14:21 | 2026-04-24 07:58 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired. Per xxx_ The gap credit report or soft-pull is to be dated within 15 days of the Note date. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 305097276 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-04-21 11:45 | 2026-04-24 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.31 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Please see the xxx trans history showing the balance of $xxx. - Seller-04/24/2026 Counter-Apologies for the confusion, Correct, Guidelines allow 3 months reserves reduction with a 5% LTV reduction however per the Final 1003 is states xxx available assets is xxx but per the Statement dated xxx reflects an available balance of xxx - 3 Months PITIA reserves is $xxx - Cash Back at closing $xxx. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. See the attached 1008 with the comments regarding the reduced reserves. 30 YR FIXED ALT DOC PRIME/ PRIMARY RATE/TERM / MAX LOAN AMOUNT $xxx / REQUIRED RESERVES 3 MONTHS / FICO xxx / LTV 90% DTI 50% / BORROWER QUALIFYS FOR REDUCED RESERVES BANK STATEMENT PROGRAM 10% EXPENSE FACTOR USED IN QUALIFICATION. - Seller-04/23/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves of 0 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Please see the xxx trans history showing the balance of $xxx. - Seller-04/24/2026 Ready for Review-Document Uploaded. See the attached 1008 with the comments regarding the reduced reserves. 30 YR FIXED ALT DOC PRIME/ PRIMARY RATE/TERM / MAX LOAN AMOUNT $xxx / REQUIRED RESERVES 3 MONTHS / FICO xxx / LTV 90% DTI 50% / BORROWER QUALIFYS FOR REDUCED RESERVES BANK STATEMENT PROGRAM 10% EXPENSE FACTOR USED IN QUALIFICATION. - Seller-04/23/2026 |
Resolved-Audited Reserves of 3.31 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 305096996 | D | B | A | A | D | B | A | A | Closed | FCOM1000 | 2026-05-14 08:04 | 2026-05-14 08:04 | Waived | 2 - Non-Material | B | B | Compliance | 1003 (Final) | Final 1003 Form Type: Non Standard App | Waived-Exception approved- Approved to accept the REO schedule provided by the borrower as is. Purchase transaction. Most properties in the name of one of the borrowers LLC. - Due Diligence Vendor-05/14/2026 | Waived-Exception approved- Approved to accept the REO schedule provided by the borrower as is. Purchase transaction. Most properties in the name of one of the borrowers LLC. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Credit history dated back to xxx Required- 6 months subject- 11 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx | ||||
| 305096996 | D | B | A | A | D | B | A | A | Closed | FCOM1233 | 2026-04-23 00:12 | 2026-05-14 08:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/13/2026 Counter-Document Uploaded. The Condition is for an updated final 1003 reflecting complete REO schedule details. Per Guidelines: xxx DSCR: Professional Investor: Required Information: • At least five (5) properties owned by the borrower to be listed on REO schedule • All information completed on REO schedule (mortgage balances, gross rents, etc.). - Due Diligence Vendor-05/04/2026 Ready for Review-Rebut-please provide additional information-unsure as to what you're referring to. - Buyer-05/03/2026 Open-Provide an updated final 1003 reflecting complete REO schedule details, including mortgage balances and payment information for Carrington Mtg xxx, as required per GL—additional conditions may apply upon review. - Due Diligence Vendor-04/23/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097423 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-04-23 01:50 | 2026-05-06 10:46 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Please see page xxx for the 1004D. - Seller-05/05/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present. Invoice showing work completed is also not found in the file. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Please see page 18 for the 1004D. - Seller-05/05/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.28 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 305096965 | D | A | D | A | A | A | D | A | Closed | FCRE1471 | 2026-04-24 13:58 | 2026-05-12 04:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-05/12/2026 Ready for Review-Please see attached. - Buyer-05/11/2026 Counter-the top of the HUD/SS/ALTA is cut off and is also missing a Signed by the bwr or Stamped CTC from the title/escrow company - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/03/2026 Open-Asset 5 Missing (missing proceeds from sale document ). - Due Diligence Vendor-04/24/2026 |
Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-05/12/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.43 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305096965 | D | A | D | A | A | A | D | A | Closed | FVAL8946 | 2026-04-30 07:56 | 2026-05-11 08:29 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-Full Appraisal provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2026 Counter-The full appraisal provided is cut-off at the top of all the pages. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached which were in the file. - Buyer-05/03/2026 Open-Provide missing full appraisal not in file for subject property - Due Diligence Vendor-04/30/2026 |
Resolved-Full Appraisal provided - Due Diligence Vendor-05/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.43 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305097427 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-04-27 10:36 | 2026-05-19 17:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided update - Due Diligence Vendor-05/19/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Counter-Supplemental report for one tradeline was already in the file. Please provide gap credit report covering new credit items or inquiries. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Lender provided update - Due Diligence Vendor-05/19/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305097427 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-04-27 10:28 | 2026-05-07 18:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/07/2026 Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/07/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. - Seller-05/07/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/07/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305097527 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-04-27 10:10 | 2026-04-30 14:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.48 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. It does not look like on your worksheet that you gave any asset figure for the 401K statement. The 1008 and 1003 did not reflect it at 70% not did our worksheet. I have uploaded a revised 1008, 1003 and worksheet along with another copy of the 401K statement to verify the borrower had adequate assets for reserves. Thank you,. - Seller-04/29/2026 Open-Audited Reserves of 1.85 are less than Guideline Required Reserves of 6 Validated - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. It does not look like on your worksheet that you gave any asset figure for the 401K statement. The 1008 and 1003 did not reflect it at 70% not did our worksheet. I have uploaded a revised 1008, 1003 and worksheet along with another copy of the 401K statement to verify the borrower had adequate assets for reserves. Thank you,. - Seller-04/29/2026 |
Resolved-Audited Reserves of 9.48 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 305097227 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-28 05:01 | 2026-04-30 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Open-Title Document is missing - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305097504 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-04-30 02:59 | 2026-05-19 07:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-PUD Rider is Missing - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305097174 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-01 16:20 | 2026-05-11 17:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Docs uploaded. Input tax info cost in file and input proper insurance cost per dec. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Rebut- The final 1008 shows the monthly tax amount of $xxx - Buyer-05/11/2026 Open-Missing the monthly property tax amount for the borrowers primary property at xxx. - Due Diligence Vendor-05/01/2026 |
Resolved-Docs uploaded. Input tax info cost in file and input proper insurance cost per dec. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 305097174 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-05-01 15:08 | 2026-05-06 15:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Open-Missing Flood Certificate - Due Diligence Vendor-05/01/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 305097172 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-05-01 19:08 | 2026-05-11 11:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 39% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Concur-the tax amount was incorrect. Updated 1008 is attached, but please note that proof that the XXXX car loan is paid by the business. New DTI is 38.999%. - Buyer-05/11/2026 Open-Audited DTI of 50.95% exceeds Guideline DTI of 50% Audited DTI of 51.86% exceeds Guideline DTI of 50%. The difference from is due to property taxes which per the final 1008 the lender has calculated as only $xxx when per the tax cert on pg # xxx is a total of $xxx. - Due Diligence Vendor-05/01/2026 |
Resolved-Audited DTI of 39% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.33 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305097183 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305096964 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097774 | C | A | A | A | C | A | A | A | Closed | FCOM2186 | 2026-05-04 15:19 | 2026-05-06 07:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Lender provided LOE - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Hello, please see attach explanation - Seller-05/05/2026 Open-The max pre-payment penalty amount of $xxx does not match the amount of $xxx on the final closing disclosure. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Hello, please see attach explanation - Seller-05/05/2026 |
Resolved-Lender provided LOE - Due Diligence Vendor-05/06/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305097582 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305097123 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305097399 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-07 10:17 | 2026-05-13 15:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 25.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 need proof of EM funds of $xxx clearing account. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Audited Reserves of 25.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305097399 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-05-07 10:14 | 2026-05-13 15:25 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/07/2026 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Need proof of EM fund of $xxx have cleared account. - Due Diligence Vendor-05/07/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 305097199 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-05-06 15:55 | 2026-05-07 18:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Hello, please see attached - Seller-05/07/2026 Open-Personal Guaranty is missing. missing Personal Guaranty - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Hello, please see attached - Seller-05/07/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305097030 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305096987 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305097408 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097146 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-05-08 16:23 | 2026-05-11 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Docs provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached which were in the file - Buyer-05/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Evidence of Good Standing and Articles of Organization. - Due Diligence Vendor-05/08/2026 |
Resolved-Entity Docs provided - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.74% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 305097069 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-05-11 01:48 | 2026-05-13 15:39 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008 - Due Diligence Vendor-05/13/2026 Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/13/2026 Open-1008/Underwriting Summary Partially Provided - Due Diligence Vendor-05/11/2026 |
Resolved-1008 - Due Diligence Vendor-05/13/2026 Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 7 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 22.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 64.19% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.44 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305096998 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305097222 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305096977 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305096962 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-05-18 17:57 | 2026-05-18 17:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Okay to proceed with both units vacant due to renovation. - Due Diligence Vendor-05/18/2026 Open-2 unit 2 property, both units are vacant. - Due Diligence Vendor-05/18/2026 |
Waived-Okay to proceed with both units vacant due to renovation. - Due Diligence Vendor-05/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Matrix requires 6 months (can use C/O). Loan has over 36 months reserves (not including C/O). Documented DSCR over 1.50 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx | ||||
| 305096973 | D | B | D | B | A | A | A | A | Closed | FCRE8728 | 2026-05-15 17:25 | 2026-05-15 17:28 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc - Credit | Missing Payment History | Waived-Exception granted to allow for missing 12-months lookback for short-term rental due to being renovated. - Due Diligence Vendor-05/15/2026 Open-Missing 12-months payment history for short-term rental. - Due Diligence Vendor-05/15/2026 |
Waived-Exception granted to allow for missing 12-months lookback for short-term rental due to being renovated. - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
0x30x12 required history. Brw has over 10yrs documented on credit report and most recent months on lender print-out, all paid as agreed. Documented DSCR above 1.10. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 305096994 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-05-19 04:01 | 2026-05-26 13:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/25/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement and Note Date of xxx. - Due Diligence Vendor-05/19/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/26/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305096994 | C | A | C | A | C | A | A | A | Closed | FCOM5814 | 2026-05-19 15:25 | 2026-05-21 11:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. see attached. - Buyer-05/20/2026 Open-******* Seller executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/19/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305097152 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305096963 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-19 08:14 | 2026-06-02 09:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.02 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/31/2026 Counter-Subject is a Primary Residence (TRID) PCCD required. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Rebut - please see attached. - Buyer-05/25/2026 Open-Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 - Reserves are short by $xxx - Verified Assets support lenders assets via the 1008 however the CTC per the Final CD is $xxx which is higher than what is listed on the Lenders 1008 - Due Diligence Vendor-05/21/2026 |
Resolved-Audited Reserves of 4.02 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-06/02/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.30 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305097232 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305097760 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-05-20 13:05 | 2026-06-08 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Updated 1008 provided - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/07/2026 Counter-Document Uploaded. The Lenders 1008 reflects a monthly $xxx Housing payment, Provide Documentation as to what that it/property it belongs too - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Rebut-please see attached. Please see attached, which, along with the HUD 1, were in the file. Borrower purchased the property with cash, so there isn't a mortgage statement. No HOI, and the tax amount is reflected on the property profile. - Buyer-05/31/2026 Open- xxx Mortgage statement is missing. - Due Diligence Vendor-05/20/2026 |
Resolved-Updated 1008 provided - Due Diligence Vendor-06/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.47 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.13 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.13 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305097219 | C | A | A | A | C | A | A | A | Closed | FCOM1265 | 2026-05-27 10:08 | 2026-06-02 09:19 | Resolved | 1 - Information | C | A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-***Received executed NORTC for non-borrower - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. - Seller-06/01/2026 Counter-**Mortgage was executed by non-borrowing spouse, xxx - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. There is only one person listed on the title. Please review and provide clarification. - Seller-05/27/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. - Seller-06/01/2026 Ready for Review-Document Uploaded. There is only one person listed on the title. Please review and provide clarification. - Seller-05/27/2026 |
Resolved-***Received executed NORTC for non-borrower - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.96% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 305097021 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-05-29 09:18 | 2026-06-03 08:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided **Received FCD with all pages - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. See attached. - Buyer-06/02/2026 Counter-**Copy of Final CD provided is also missing pages. Lender to provide a copy of the final CD with all pages. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. See attached. - Buyer-05/29/2026 Open-TRID: Missing Final Closing Disclosure FCD provided is missing pages 2 & 5, ---**** Borrower(s) complete & executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/29/2026 |
Resolved-TRID: Final Closing Disclosure Provided **Received FCD with all pages - Due Diligence Vendor-06/03/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.19 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305097274 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-06-01 09:25 | 2026-06-05 13:34 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Lender exception for business entity owned by another entity. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Loan exception request on page xxx does not reflect a decision. Provide complete lender approved exception. - Due Diligence Vendor-06/04/2026 Open-Business entity is member is another entity. - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. - Seller-06/04/2026 |
Waived-Lender exception for business entity owned by another entity. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Comp Factors: - 3 months reserves greater than program requirement. - 6 months reserves greater than program requirement. - FICO greater than program requirement. - VOR/VOM 0x30x24 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | ||
| 305097395 | C | A | A | A | A | A | C | A | Closed | FPRO7466 | 2026-06-02 17:11 | 2026-06-05 13:05 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Please see first lien guidelines, there are no guidelines regarding AVM valuations for our first lien product. The secondary valuation would be the SSRs which are acceptable per the first lien guidelines. - Seller-06/04/2026 Counter-Document Uploaded. Agreed, the CU score is a 1 however the Loan file contains a AVM with a Confidence score of 84% and FSD of 0.17 - Missing 3rd party valuation to support the Appraised value of $xxx - Due Diligence Vendor-06/04/2026 Ready for Review-The CDA score is 1, the AVM is not required and can be ignored - Seller-06/04/2026 Open-Confidence Score is less than 90%. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Please see first lien guidelines, there are no guidelines regarding AVM valuations for our first lien product. The secondary valuation would be the SSRs which are acceptable per the first lien guidelines. - Seller-06/04/2026 Ready for Review-The CDA score is 1, the AVM is not required and can be ignored - Seller-06/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305182521 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-06-02 04:15 | 2026-06-04 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-SOS is present - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Buyer-06/04/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/02/2026 |
Resolved-SOS is present - Due Diligence Vendor-06/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305097134 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097139 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 305182078 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305097037 | C | B | C | B | A | A | A | A | Closed | FCRE1440 | 2026-06-16 10:57 | 2026-06-16 11:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception approved with compensating factors to allow the subject property and primary residence mortgage history to be in the name of the spouse. - Due Diligence Vendor-06/16/2026 Open-Mortgage history on primary and Subject is in spouses name. - Due Diligence Vendor-06/16/2026 |
Waived-Exception approved with compensating factors to allow the subject property and primary residence mortgage history to be in the name of the spouse. - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |
DSCR is 1.500 vs 1.000 Over 15years excellent credit history with no derogatory or public records noted. Rate improvement over 1.5% better. From 8.875% to 7.000%. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 305097037 | C | B | C | B | A | A | A | A | Closed | FPRO1251 | 2026-06-16 10:57 | 2026-06-16 11:01 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Exception approved with compensating factors to allow subject agricultural zoning. Not used for agricultural purposes. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Waived-Exception approved with compensating factors to allow subject agricultural zoning. Not used for xxx purposes. - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |
DSCR is 1.500 vs 1.000 Over 15years excellent credit history with no derogatory or public records noted. Rate improvement over 1.5% better. From 8.875% to 7.000%. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 305182535 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182233 | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2026-06-24 14:45 | 2026-06-29 13:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/29/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305182233 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-25 16:02 | 2026-06-29 13:44 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/29/2026 Open-Asset Qualification Does Not Meet Guideline Requirements. Section 9.4.2 requires verification of donor availability and transfer of Gift Funds. The file reflects a gift letter for $xxx but does not evidence the donor gave the closing agent the gift funds in the form of a certified check and/or wire transfer. - Due Diligence Vendor-06/25/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/29/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 305182079 | C | A | C | A | A | A | A | A | Closed | FCRE8944 | 2026-06-24 21:58 | 2026-07-01 13:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Resolved-Docs provided showing past time of statue of limitations - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/30/2026 Open-Evidence resolution of the xxx charge-off in the amount of $xxx (xxx), or evidence that the debt has expired under the applicable state statute of limitations. Per GL xxx, consumer charge-offs and collections over 24 months old are permitted only up to $xxx per occurrence unless the debt is documented as expired under the applicable statute of limitations. The reported charge-off exceeds the allowable threshold, impacting borrower eligibility. Additional conditions may apply upon review. - Due Diligence Vendor-06/25/2026 |
Resolved-Docs provided showing past time of statue of limitations - Due Diligence Vendor-07/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-25 10:14 | 2026-07-01 14:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.06 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/01/2026 Resolved-Unclear about other loan as source of funds. - Due Diligence Vendor-07/01/2026 Ready for Review-Rebut-subject LTV was at least 5% below the max LTV of 85%. Met requirement for reduced reserves, or 3 months. - Buyer-06/30/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/25/2026 |
Resolved-Audited Reserves of 6.06 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-07/01/2026 Resolved-Unclear about other loan as source of funds. - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-06-25 10:14 | 2026-07-01 14:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 31.19% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/01/2026 Ready for Review-Rebut-mortgages for REOs are paid by the business and not included in the DTI - Seller-07/01/2026 Open-Audited DTI of 52.57% exceeds Guideline DTI of 50% Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/25/2026 |
Ready for Review-Rebut-mortgages for REOs are paid by the business and not included in the DTI - Seller-07/01/2026 |
Resolved-Audited DTI of 31.19% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
BECAUSE LENDER DID NOT INCLUDE RENTAL LOSS OF FOLLOWING PROPERTIES IN RENTAL LOSS CALCULATION xxxALSO CREDIT REPORRT AND LEASE AGREMENT MISSING |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-06-25 09:35 | 2026-07-01 14:07 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/01/2026 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-06/25/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-06-25 10:16 | 2026-07-01 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-payments made in business account - Due Diligence Vendor-07/01/2026 Ready for Review-No lease agreements for either property, and mortgage payments are paid by the business (see bank statements) - Seller-07/01/2026 Open-Missing Lease Agreement OF FOLLOWING PROPERTIES xxx xxx - Due Diligence Vendor-06/25/2026 |
Ready for Review-No lease agreements for either property, and mortgage payments are paid by the business (see bank statements) - Seller-07/01/2026 |
Resolved-payments made in business account - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-25 09:14 | 2026-07-01 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-gap report provided - Due Diligence Vendor-07/01/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/30/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/25/2026 |
Resolved-gap report provided - Due Diligence Vendor-07/01/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-06-25 09:14 | 2026-07-01 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/01/2026 Resolved-xxx provided - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/30/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/25/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/01/2026 Resolved-CBR provided - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305182304 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-06-25 09:03 | 2026-07-01 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/01/2026 Resolved-worksheet provided - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/30/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-06/25/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/01/2026 Resolved-worksheet provided - Due Diligence Vendor-07/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305182526 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182055 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182448 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182173 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182180 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182128 | C | B | B | A | A | A | C | B | Closed | FCRE1183 | 2026-06-29 08:01 | 2026-06-30 14:25 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-1008/Underwriting Summary Partially Provided Please provided 1008 with closing loan amount and LTV. Current 1008 shows $xxx loan amount. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305182128 | C | B | B | A | A | A | C | B | Closed | FVAL9739 | 2026-06-29 12:01 | 2026-06-29 12:02 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Property/Appraisal General | Waived-Exception approved with compensating factors to allow ADU rental income on 1007 form. - Due Diligence Vendor-06/29/2026 Open- ADU rental income on 1007 form. - Due Diligence Vendor-06/29/2026 |
Waived-Exception approved with compensating factors to allow ADU rental income on 1007 form. - Due Diligence Vendor-06/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
12+ months reserves Credit score 73 points above min |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 305182271 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182447 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 305182379 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182302 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182312 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2026-07-01 08:04 | 2026-07-02 20:28 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception for zoning found in loan file, pg xxx - Due Diligence Vendor-07/03/2026 | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception for zoning found in loan file, pg xxx - Due Diligence Vendor-07/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.08% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | |||||
| 305182325 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-07-01 03:04 | 2026-07-06 19:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-xxx replacement costs. - Due Diligence Vendor-07/06/2026 Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. see attached that was in the file. xxx does not provide RCE statements and we effectively have to take their word for it. Please escalate. - Buyer-07/06/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx nadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-07/01/2026 |
Resolved-xxx replacement costs. - Due Diligence Vendor-07/06/2026 Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 305182042 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182326 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182036 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182022 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182041 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182421 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 305182384 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182357 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 305182318 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 305182072 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-07-07 13:30 | 2026-07-09 18:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-HUD1 provided - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. see attached. - Buyer-07/09/2026 Counter-Missing Final CD or HUD1 or other type of closing settlement sheet. - Due Diligence Vendor-07/09/2026 Ready for Review-This is a DSCR loan, there are no CD's. - Buyer-07/09/2026 Open-missing final closing disclosure - Due Diligence Vendor-07/07/2026 |
Resolved-HUD1 provided - Due Diligence Vendor-07/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 305043144 | D | A | D | A | A | A | A | A | Closed | FCRE1255 | 2026-01-21 06:34 | 2026-01-22 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Missing | Resolved-Property report & tax Cert provided. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see attached. Property is owned free and clear. No insurance. - Buyer-01/21/2026 Open-Missing Proof of Property Taxes and HOI for REO investment xxx - Due Diligence Vendor-01/21/2026 |
Resolved-Property report & tax Cert provided. - Due Diligence Vendor-01/22/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.77 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.66 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 39.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |