Exhibit 99.16
| 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 |
| 828120 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-06-11 00:39 | 2026-06-15 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-***Received FCD and PCCD - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 Open-**** Borrower(s) 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-06/11/2026 |
Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 |
Resolved-***Received FCD and PCCD - Due Diligence Vendor-06/15/2026 |
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 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 - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.43 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 9.23% 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 0.11 |
Final closing Disclosure is missing | 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 | 9676653 | ||
| 828120 | D | A | D | A | D | A | A | A | Closed | FCOM8891 | 2026-06-12 08:17 | 2026-06-15 08:46 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-***Received FCD and PCCD - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 Open-**** Borrower(s) 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-06/12/2026 |
Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 |
Resolved-***Received FCD and PCCD - Due Diligence Vendor-06/15/2026 |
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 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 - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.43 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 9.23% 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 0.11 |
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 | 9713666 | |||
| 828120 | D | A | D | A | D | A | A | A | Closed | FCOM1544 | 2026-06-09 12:50 | 2026-06-15 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 Open-TRID: Missing Final Closing Disclosure *** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded Final CD & PCCD. - Seller-06/12/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/15/2026 |
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 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 - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.43 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 9.23% 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 0.11 |
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 | 9632349 | |||
| 737690 | 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 | ||||||||||||||||||||
| 566331 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-08-05 05:28 | 2026-08-08 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/08/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/06/2026 Open-Missing Flood Certificate Flood Certificate is Missing. - Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/06/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.7% Is Less Than The Guideline Maximum Of 49% 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 - 11.42 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 - 11.43 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10632661 | |||
| 473873 | 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 | ||||||||||||||||||||
| 910141 | 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 | ||||||||||||||||||||
| 888731 | 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 | ||||||||||||||||||||
| 877165 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-05 08:35 | 2026-08-08 10:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided updated information showing 2 properties not subject to HOA. - Due Diligence Vendor-08/08/2026 Ready for Review-Document Uploaded. rebuttal/comment: please refer to the property profile submitted. Property is a single family residence, therefor there is no HOA Dues - Seller-08/06/2026 Open-Provide verification of HOA dues (if applicable) for the following properties: xxx and xxx. - Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. rebuttal/comment: please refer to the property profile submitted. Property is a single family residence, therefor there is no HOA Dues - Seller-08/06/2026 |
Resolved-Lender provided updated information showing 2 properties not subject to HOA. - Due Diligence Vendor-08/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.77 Are Greater Than The Guideline Minimum Of 9 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 - 7.75 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.67% Is Less Than The Guideline Maximum Of 49% 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 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10638010 | |||
| 720512 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-08-05 08:56 | 2026-08-10 06:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/07/2026 Open-Missing Flood Certificate. Provide Flood Certificate for subject property located at xxx - Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/07/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.85 Are Greater Than The Guideline Minimum Of 9 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 - 5.92 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 10638269 | |||
| 704545 | 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 | ||||||||||||||||||||
| 366574 | 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 | ||||||||||||||||||||
| 327363 | C | A | C | A | A | A | A | A | Closed | FCRE2994 | 2026-08-06 12:00 | 2026-08-10 09:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-updated 1008 provided - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Please see uploaded revised 1008 - Seller-08/07/2026 Open-Audited DTI is 40.75%, Lender DTI is 43.45%. This is due to Audited income used and in file of xxx for a difference of xxx lower income monthly and higher dti of 2.7%. Lender used 17 months to calculate income and proper per 18 months PNL QC used 18 months. Review for possible pricing issue. Also provide updated Final 1008 and Final 1003 supporting audited income. Tape data shows DTI at 38.49%. " we are still however well within guideline max of 49% - Due Diligence Vendor-08/06/2026 |
Ready for Review-Document Uploaded. Please see uploaded revised 1008 - Seller-08/07/2026 |
Resolved-updated 1008 provided - Due Diligence Vendor-08/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10667563 | |||
| 327363 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-08-06 12:00 | 2026-08-10 09:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 51.72% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-08/10/2026 Resolved-updated 1003 provided - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Please see uploaded Final 1003 PC - Seller-08/07/2026 Open-Provide updated 1008 showing corrected LTV used to qualify and final loan amount. 1008 states incorrect loan amount of xxx and actual audited and note amount is xxx. Audited LTV is 51.72% and 1008 shows an LTV of 43.45% based off lower incorrect Loan amount stated. - Due Diligence Vendor-08/06/2026 |
Ready for Review-Document Uploaded. Please see uploaded Final 1003 PC - Seller-08/07/2026 |
Resolved-Audited LTV of 51.72% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-08/10/2026 Resolved-updated 1003 provided - Due Diligence Vendor-08/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.72% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10667569 | |||
| 484783 | 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 | ||||||||||||||||||||
| 831870 | 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 | ||||||||||||||||||||
| 919890 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-08-06 06:06 | 2026-08-11 06:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/10/2026 Open-Missing Flood Certificate - Due Diligence Vendor-08/06/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-08/10/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 49% 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 - 6 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
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 | 10658281 | |||
| 340450 | 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 | ||||||||||||||||||||
| 981488 | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2026-08-06 08:49 | 2026-08-10 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-doc provided - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Please refer to pages 121-128 of the uploaded updated 12-month bank statement, which contain the xxx bank statement. - Seller-08/07/2026 Open-BANK STATEMENT 1 MONTH xxx DOCUMENT MISSING - Due Diligence Vendor-08/06/2026 |
Ready for Review-Document Uploaded. Please refer to pages 121-128 of the uploaded updated 12-month bank statement, which contain the xxx bank statement. - Seller-08/07/2026 |
Resolved-doc provided - Due Diligence Vendor-08/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10662686 | |||
| 997697 | 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 | ||||||||||||||||||||
| 151170 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 812696 | 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 | ||||||||||||||||||||
| 226201 | 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 | ||||||||||||||||||||
| 917274 | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-08-07 14:41 | 2026-08-11 10:30 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. - Seller-08/10/2026 Open-Missing Gift Letter in file - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. - Seller-08/10/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/11/2026 |
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 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.96 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 - 15 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 - 15 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.92 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 10691743 | |||
| 418918 | 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 | ||||||||||||||||||||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1481 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 3 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725031 | |||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1482 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 4 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725032 | ||||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1483 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 5 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725033 | ||||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1484 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 6 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725034 | ||||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1485 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 7 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725035 | ||||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1486 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Resolved-Asset 8 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 8 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 8 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725036 | |||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1487 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 9 Does Not Meet Guideline Requirements | Resolved-Asset 9 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 9 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 9 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725037 | |||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1488 | 2026-08-10 19:52 | 2026-08-13 09:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 10 Does Not Meet Guideline Requirements | Resolved-Asset 10 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Counter-The latest guidelines we have are xxx. Please provide the newer guidelines or provide to the transaction management team. - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 Open-Asset 10 Does Not Meet Guideline Requirements per guidelines-gift funds are not allowed on N/O/O transactions, no exception in file - Due Diligence Vendor-08/10/2026 |
Ready for Review-Uploaded updated guidelines - Seller-08/12/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Gift funds will now be allowed on all occupancy types for all NQM programs except for xxx and xxx. '' - Seller-08/11/2026 |
Resolved-Asset 10 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10725038 | |||
| 123204 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-08-10 04:01 | 2026-08-12 11:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Uploaded hazard - Seller-08/11/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Only able to review the invoice for the policy, Missing Hazard Insurance Policy to reflect the amount of adequate coverages-policy#-the effective date/expiration date-deductibles-lender name/address/loan# - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Uploaded hazard - Seller-08/11/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10702663 | |||
| 991727 | 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 | ||||||||||||||||||||
| 980942 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-07 15:25 | 2026-08-11 13:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Located additional information about xxx account balance. - Due Diligence Vendor-08/11/2026 Ready for Review-Total Required Assets - PITI xxx * 6 = xxx + CTC xxx = xxx Total Verified Assets -xxx Bank xxx - xxx - Seller-08/10/2026 Open-Audited Reserves of 5.45 are less than Guideline Required Reserves of 6 Loan requires xxx in reserves. Borrower is short xxx in reserves. - Due Diligence Vendor-08/07/2026 |
Ready for Review-Total Required Assets - PITI xxx * xxx = xxx + CTC xxx = xxx Total Verified Assets -xxx - xxx - Seller-08/10/2026 |
Resolved-Located additional information about xxx xxx account balance. - Due Diligence Vendor-08/11/2026 |
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 - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.74% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10692361 | ||||
| 573228 | 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 | ||||||||||||||||||||
| 934948 | 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 | ||||||||||||||||||||
| 304442 | 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 | ||||||||||||||||||||
| 229164 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 512811 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 134785 | 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 | ||||||||||||||||||||
| 754105 | C | A | C | A | A | A | A | A | Closed | FCRE6911 | 2026-08-11 00:44 | 2026-08-12 12:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI exceeds program maximum | Resolved-updated credit card balance - Due Diligence Vendor-08/12/2026 Ready for Review-Please note that per statement, account has zero balance. Thank you. - Seller-08/11/2026 Open-Provide documentation to resolve the DTI exceeding the GL maximum of 55%. Audit Review includes the xxx monthly revolving debt payment for xxx acct. xxx, which was not included in the Underwriting Summary/1008/Tape Data Other Monthly Payments of xxx, resulting in the DTI variance. Additional conditions may apply upon review. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Please note that per statement, account has zero balance. Thank you. - Seller-08/11/2026 |
Resolved-updated credit card balance - Due Diligence Vendor-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 54.96% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.07% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
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 | 10728169 | |||
| 398791 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-08-07 16:53 | 2026-08-12 09:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please see uploaded DOT. - Seller-08/11/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. Please see uploaded DOT. - Seller-08/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/12/2026 |
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 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.61% Is Less Than The Guideline Maximum Of 49% 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 - 13.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |
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 | 10694536 | |||
| 867872 | 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 | ||||||||||||||||||||
| 429361 | 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 | ||||||||||||||||||||
| 842326 | 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 | ||||||||||||||||||||
| 936091 | 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 | ||||||||||||||||||||
| 968635 | 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 | ||||||||||||||||||||
| 917582 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-08-10 06:45 | 2026-08-12 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/11/2026 Open-Missing Flood Certificate - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/11/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/12/2026 |
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 0.15 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.96% 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 | 10705081 | |||
| 731745 | 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 | ||||||||||||||||||||
| 702743 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-08-10 16:43 | 2026-08-13 09:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/13/2026 Resolved-Updated guidelines - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Please note that this was reviewed with guideline xxx, refer to the attached guideline for reference. Thank you. - Seller-08/11/2026 Open-Audited DTI of 49.1% exceeds Guideline DTI of 49% At time of review the DTI of 49.1% as reflected on 1008 was greater than guidelines allow of 49%. Please provide documentation to support the required DTI to meet guidelines - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please note that this was reviewed with guideline xxx, refer to the attached guideline for reference. Thank you. - Seller-08/11/2026 |
Resolved-Audited DTI of 49.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/13/2026 Resolved-Updated guidelines - Due Diligence Vendor-08/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 64.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 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 | 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 | 10719176 | |||
| 469930 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-08-11 15:52 | 2026-08-13 15:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Please note that we have management exception: -No reserves required -2nd lien seasoning for 11 month . -Reserve requirement of 3 months is approved. - Seller-08/12/2026 Open-Audited Reserves of 3.51 are less than Guideline Required Reserves of 6 Per final CD borrower received over xxx back and also paid off a private mortgage that was not used to acquire property. Guidelines indicate 6 months reserves required. Borrower received xxx at closing and validated assets of xxx for a total of xxx, required reserves xxx. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. Please note that we have management exception: -No reserves required -2nd lien seasoning for 11 month . -Reserve requirement of 3 months is approved. - Seller-08/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.23 |
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 | Originator Post-Close | Yes | 10748208 | ||||
| 118438 | 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 | ||||||||||||||||||||
| 916650 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 326260 | C | A | C | A | A | A | A | A | Closed | FCRE4805 | 2026-08-11 10:50 | 2026-08-17 18:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust cert provided - Due Diligence Vendor-08/17/2026 Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/14/2026 Counter-Looking for trust certification information for this condition as also requested by title company - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Please see uploaded guideline. Reserve requirements are waived as the borrower satisfies the Rate/Term refinance criteria. The loan has a 67.21% LTV, a 0x30x12 mortgage rating, and the payment on the new loan decreases from xxx to xxx. The current mortgage has been seasoned for four months, and the borrower maintains a xxx FICO score. - Seller-08/12/2026 Open-Trust/POA Does Not Meet Guideline Requirements Trust Agreement or cert not provided in file. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-08/14/2026 Ready for Review-Document Uploaded. Please see uploaded guideline. Reserve requirements are waived as the borrower satisfies the Rate/Term refinance criteria. The loan has a 67.21% LTV, a 0x30x12 mortgage rating, and the payment on the new loan decreases from xxx to xxx The current mortgage has been seasoned for four months, and the borrower maintains a xxx FICO score. - Seller-08/12/2026 |
Resolved-Trust cert provided - Due Diligence Vendor-08/17/2026 Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-08/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10739478 | |||
| 326260 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-11 10:41 | 2026-08-13 19:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.73 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-08/13/2026 Ready for Review-Please see uploaded guideline. Reserve requirements are waived as the borrower satisfies the Rate/Term refinance criteria. The loan has a 67.21% LTV, a 0x30x12 mortgage rating, and the payment on the new loan decreases from xxx to xxx. The current mortgage has been seasoned for four months, and the borrower maintains a xxx FICO score. - Seller-08/12/2026 Open-Audited Reserves of 4.73 are less than Guideline Required Reserves of 9 For No Reserves on Rate/Term need to meet some requirements but this loan didn't meet because Borrower take refinance within 6 months and Payment on new loan is more than previous. So, considered 9 months of reserves and required enough assets to cover Cash to close. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Please see uploaded guideline. Reserve requirements are waived as the borrower satisfies the Rate/Term refinance criteria. The loan has a 67.21% LTV, a 0x30x12 mortgage rating, and the payment on the new loan decreases from xxx to xxx. The current mortgage has been seasoned for four months, and the borrower maintains a xxx FICO score. - Seller-08/12/2026 |
Resolved-Audited Reserves of 4.73 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-08/13/2026 |
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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.21% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years |
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 | 10739222 | ||||
| 166091 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-08-12 11:33 | 2026-08-13 18:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Docs received - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 Open-Missing Business Reference Letter – xxx: Provide one (1) business reference letter for xxx to support and verify the borrower’s business operations, per xxx requirements. Additional conditions may apply upon review. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 |
Resolved-Docs received - Due Diligence Vendor-08/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.38% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.93% Is Less Than The Guideline Maximum Of 49% 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 | 10766648 | |||
| 638511 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-08-11 14:02 | 2026-08-18 10:03 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-**Received PCCD and lender's explanation. - Due Diligence Vendor-08/18/2026 Ready for Review-Please see page 3 in PCCD. Escrow credit interest late disbursement - xxx. Funding date is xxx, had a late disbursement xxx - Seller-08/17/2026 Counter-Although Final CD has a printed disbursement date of xxx, the Final SS and Post-Close CD have a printed disbursement date of xxx. Lender to provide a copy of their funding ledger in support of the xxx disbursement date. - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. Uploaded the Final CD shoes xxx, funding date is xxx date / disbursement date (PCCD) xxx - Seller-08/14/2026 Counter-***Received lender's explanation claiming the loan funded on xxx. The PCCD provided and Final Settlement Statement in the file both indicate the prepaid interest collected is from xxx to xxx and a printed disbursement date of xxx. Lender to provide documentation supporting the xxx disbursement date - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please note that we funded this file on xxx, which is a xxx. At the time of funding, we did not request that they select or check box#2. - Seller-08/14/2026 Ready for Review-Document Uploaded. Please see page 377 of 518 in the loan package Other xxx. Prepaid Interest xxx - xxx & the xxx page 382. I also uploaded the PCCD and screenshot for reference. - Seller-08/13/2026 Counter-**Although loan is Non-QM, it is not exempt from tolerance limitations. Finding remains unresolved. - Due Diligence Vendor-08/13/2026 Ready for Review-This is a Non-QM file, validation test is not required - Seller-08/13/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Disbursement date of xxx. Section F per diem interest (xxx to xxx) exceeds the one-day allowable limit by xxx. To comply with xxx Civil Code § xxx, a disclosure confirming that the borrower affirmatively requested, and the lender agreed, for disbursement to occur on a xxx or on the day immediately following a bank holiday has not been provided. - Due Diligence Vendor-08/12/2026 Open- - Due Diligence Vendor-08/12/2026 Open- - Due Diligence Vendor-08/12/2026 Open- - Due Diligence Vendor-08/11/2026 Open- - Due Diligence Vendor-08/11/2026 |
Ready for Review-Please see page 3 in PCCD. Escrow credit interest late disbursement - xxx. Funding date is xxx, had a late disbursement xxx. - Seller-08/17/2026 Ready for Review-Document Uploaded. Uploaded the Final CD shoes xxx, funding date is xxx date / disbursement date (PCCD) xxx - Seller-08/14/2026 Ready for Review-Document Uploaded. Please note that we funded this file on xxx, which is a xxx. At the time of funding, we did not request that they select or check xxx - Seller-08/14/2026 Ready for Review-Document Uploaded. Please see page 377 of 518 in the loan package Other xxx. Prepaid Interest xxx - xxx & the xxx page 382. I also uploaded the PCCD and screenshot for reference. - Seller-08/13/2026 Ready for Review-This is a Non-QM file, validation test is not required - Seller-08/13/2026 |
Resolved-**Received PCCD and lender's explanation. - Due Diligence Vendor-08/18/2026 |
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 | 10745474 | ||||
| 638511 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2026-08-11 05:21 | 2026-08-14 10:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated guidelines - Due Diligence Vendor-08/14/2026 Resolved-Audited DTI of 49.22% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please see uploaded GL 06/24/2026 - Seller-08/14/2026 Counter-Document Uploaded. Document Uploaded. Please provide the newer guidelines, we are operating under the xxx guidelines. Thanks - Due Diligence Vendor-08/13/2026 Ready for Review-Per xxx, Max DTI ratio is 50% - Seller-08/13/2026 Open-Audited DTI of 49.22% exceeds Guideline DTI of 49% Audited and Lender DTI is 49.22%, which exceeds the maximum allowable DTI of 49% per program guidelines. Provide documentation supporting an approved exception/waiver or evidence that the loan meets appliable DTI requirements. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. Please see uploaded xxx xxx - Seller-08/14/2026 Ready for Review-Per xxx, Max DTI ratio is 50% - Seller-08/13/2026 |
Resolved-Updated guidelines - Due Diligence Vendor-08/14/2026 Resolved-Audited DTI of 49.22% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2026 |
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 | 10731443 | ||||
| 527836 | 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 | ||||||||||||||||||||
| 814413 | 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 | ||||||||||||||||||||
| 402630 | 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 | ||||||||||||||||||||
| 201105 | 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 | ||||||||||||||||||||
| 856525 | 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 | ||||||||||||||||||||
| 725376 | 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 | ||||||||||||||||||||
| 277342 | 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 | ||||||||||||||||||||
| 987397 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-08-12 16:08 | 2026-08-14 08:50 | 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-08/14/2026 Ready for Review-Document Uploaded. Please see uploaded revised 1008 - Seller-08/13/2026 Open-1008/Underwriting Summary Partially Provided Final 1008 is missing. 1008 in documents has the incorrect P&i & HOA dues - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Please see uploaded revised 1008 - Seller-08/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/14/2026 |
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 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.15% 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 0.04 |
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 | 10774469 | |||
| 936407 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-08-12 05:30 | 2026-08-14 10:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2026 Resolved-Updated guidelines. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. MD xxx: Per guidelines, we have maximum of 50% on DTI. See attached updated guidelines. - Seller-08/13/2026 Open-Audited DTI of 49.93% exceeds Guideline DTI of 49% Per guideline/matrix date xxx the max DTI is 49% however the audited DTI of 49.93%. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. xxx: Per guidelines, we have maximum of 50% on DTI. See attached updated guidelines. - Seller-08/13/2026 |
Resolved-Audited DTI of 49.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/14/2026 Resolved-Updated guidelines. - Due Diligence Vendor-08/14/2026 |
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 0.02 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 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10755814 | |||
| 481775 | 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 | ||||||||||||||||||||
| 268100 | 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 | ||||||||||||||||||||
| 118385 | 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 | ||||||||||||||||||||
| 202840 | 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 | ||||||||||||||||||||
| 852088 | 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 | ||||||||||||||||||||
| 356832 | 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 | ||||||||||||||||||||
| 556808 | 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 | ||||||||||||||||||||
| 642639 | 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 | ||||||||||||||||||||
| 895233 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-08-12 04:19 | 2026-08-14 09:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Used revised matrix DTI - Due Diligence Vendor-08/14/2026 Resolved-Audited DTI of 54.09% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines to allow DTI at 55% with FICO of xxx or more. - Seller-08/13/2026 Open-Audited DTI of 54.09% exceeds Guideline DTI of 50% According to the guidelines, the maximum DTI for bank statement income is 50%, but the calculated DTI is 54.09% and the Lender calculated DTI was 53.53%. It is noted there is a pricing adjustment on the Lock confirmation (pg 503) for DTI between 50.01%-55%, however, no exception was found in file. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines to allow DTI at 55% with FICO of xxx or more. - Seller-08/13/2026 |
Resolved-Used revised matrix DTI - Due Diligence Vendor-08/14/2026 Resolved-Audited DTI of 54.09% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/14/2026 |
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 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 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 0.1 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.65 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10755088 | |||
| 758520 | 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 | ||||||||||||||||||||
| 810546 | 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 | ||||||||||||||||||||
| 943597 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 950533 | 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 | ||||||||||||||||||||
| 710215 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-13 16:12 | 2026-08-17 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Page 9 showing HOA annual bill - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 Open-Verification of HOA dues for property located at xxxis missing. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/14/2026 |
Resolved-Page 9 showing HOA annual bill - Due Diligence Vendor-08/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.97 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 - 5 Years |
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 | 10797827 | |||
| 292583 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-08-13 05:12 | 2026-08-13 19:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/13/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.13% Is Less Than The Guideline Maximum Of 49% 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 - 21 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10781895 | |||
| 292583 | D | A | A | A | D | A | A | A | Closed | FCOM1229 | 2026-08-13 05:55 | 2026-08-13 19:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.13% Is Less Than The Guideline Maximum Of 49% 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 - 21 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10783443 | ||||
| 292583 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-08-13 05:55 | 2026-08-13 19:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-PUD Rider is Missing - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.13% Is Less Than The Guideline Maximum Of 49% 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 - 21 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10783442 | ||||
| 154452 | 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 | ||||||||||||||||||||
| 624682 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 120380 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-08-14 07:56 | 2026-08-14 15:07 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 Open-Borrower is a Permanent Resident Alien. Missing Permanent Resident card. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/14/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.67% Is Less Than The Guideline Maximum Of 49% 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 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | 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 | 10814229 | ||||
| 413882 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-08-14 15:22 | 2026-08-19 11:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided additional information - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to submitted documents and please not that borrower does not have ownership or mortgage responsibility to property xxx - Seller-08/17/2026 Open-Housing History Does Not Meet Guideline Requirements Mortgage Payment Exclusion – xxx: To exclude the mortgage payment for xxx from B1’s liabilities, provide proof xxx xxx made the payments for the most recent 12 months. Payments are verified for xxx–xxx from xxx xxx. xxx (pgs. 122, 169, 159, 117). Provide proof for the remaining 8 months. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to submitted documents and please not that borrower does not have ownership or mortgage responsibility to property xxx - Seller-08/17/2026 |
Resolved-Lender provided additional information - Due Diligence Vendor-08/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.21 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 - 6 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
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 | 10824811 | |||
| 413882 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-08-13 05:55 | 2026-08-19 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-1008/Underwriting Summary Not Provided Provide the completed 1008/Underwriting Summary for review. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.21 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 - 6 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
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 | 10783449 | |||
| 492995 | 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 | ||||||||||||||||||||
| 350803 | 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 | ||||||||||||||||||||
| 737618 | 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 | ||||||||||||||||||||
| 986947 | 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 | ||||||||||||||||||||
| 143800 | 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 | ||||||||||||||||||||
| 233473 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-08-14 22:02 | 2026-08-19 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/19/2026 Resolved- - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Please see uploaded Purchase Addendum. - Seller-08/18/2026 Ready for Review-Please see disregard the comment below. - Seller-08/17/2026 Ready for Review-Document Uploaded. Purchase price xxx Seller Credit to Buyer (page 4) - xxx - Seller-08/17/2026 Open-Incomplete or unexecuted Purchase Contract. Provide the fully executed xxx xxx xxx reflecting the purchase price of xxx. - Due Diligence Vendor-08/15/2026 |
Ready for Review-Document Uploaded. Please see uploaded Purchase Addendum. - Seller-08/18/2026 Ready for Review-Please see disregard the comment below. - Seller-08/17/2026 Ready for Review-Document Uploaded. Purchase price xxx Seller Credit to Buyer (page 4) - xxx - Seller-08/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.19% Is Less Than The Guideline Maximum Of 49% 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 | 10832303 | |||
| 908354 | 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 | ||||||||||||||||||||
| 563436 | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2026-08-14 10:26 | 2026-08-19 09:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Uploaded ROR - Seller-08/18/2026 Open-Right of Rescission is Missing Notice of Right to Cancel executed by xxx has not been provided - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. Uploaded ROR - Seller-08/18/2026 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-08/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.18% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 111.71 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 - Validated Original LTV Of 36.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10817013 | |||
| 373508 | 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 | ||||||||||||||||||||
| 175009 | 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 | ||||||||||||||||||||
| 367681 | 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 | ||||||||||||||||||||
| 534470 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 249199 | 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 | ||||||||||||||||||||
| 416577 | 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 | ||||||||||||||||||||
| 834601 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-08-17 17:20 | 2026-08-20 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/18/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/18/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.57% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 - 11 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 76.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 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 | 10856091 | |||
| 286917 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-17 19:35 | 2026-08-20 14:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.26 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-08/20/2026 Ready for Review-xxx - Rebuttal/Comment: please refer to submitted asset documents total of xxx verified assets, total required funds is only xxx - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 Open-Audited Reserves of 5.66 are less than Guideline Required Reserves of 6 Audited Reserves of 5.68 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-08/17/2026 |
Ready for Review-xxx - Rebuttal/Comment: please refer to submitted asset documents total of xxx verified assets, total required funds is only xxx - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 |
Resolved-Audited Reserves of 6.26 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-08/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.96% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.46% Is Less Than The Guideline Maximum Of 49% 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 0.07 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10856910 | |||
| 286917 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-08-17 17:33 | 2026-08-20 14:17 | 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-08/20/2026 Ready for Review-08/18 - Rebuttal/Comment: Please refer to the submitted PCCD with disbursement date of xxx - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-08/17/2026 |
Ready for Review-xxx - Rebuttal/Comment: Please refer to the submitted PCCD with disbursement date of xxx - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 |
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-08/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.96% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.46% Is Less Than The Guideline Maximum Of 49% 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 0.07 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10856220 | |||
| 282115 | 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 | ||||||||||||||||||||
| 246018 | D | A | D | A | A | A | A | A | Closed | FCRE1826 | 2026-08-15 10:26 | 2026-08-21 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Missing | Resolved-xxx added - Due Diligence Vendor-08/21/2026 Ready for Review-Page 69 - xxx Page 576 & 577 for xxx & Welcome Letter - Seller-08/19/2026 Open-US Driver’s License or other US or foreign government-issued photo ID Missing - Due Diligence Vendor-08/15/2026 |
Ready for Review-Page 69 - xxx Page 576 & 577 for xxx & Welcome Letter - Seller-08/19/2026 |
Resolved-EAD added - Due Diligence Vendor-08/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.07 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 19.44% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
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 | 10833606 | ||||
| 209669 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-08-17 21:37 | 2026-08-20 13:39 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 Open-Non borrowing spouse xxx xxx xxx signed as xxx for B1 and her Driver's license is expired per ID and Patriot Act in file. Provide proof of valid ID to close. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. - Seller-08/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.62% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.8% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20 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 | 10857824 | ||||
| 377153 | 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 | ||||||||||||||||||||
| 144195 | 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 | ||||||||||||||||||||
| 500792 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-19 17:26 | 2026-08-21 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Evidence F&C provided - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Uploaded Full Reconveyance - Seller-08/19/2026 Open-Departure Residence – xxx.: Provide documentation confirming there is no outstanding mortgage on the property. The HOI effective xxx (pgs. 304–307) reflects xxx xxx as First Mortgagee, while the MERS Report (not dated) does not reflect an open mortgage. Provide clarification/documentation to resolve the discrepancy and confirm current lien status. - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Uploaded Full Reconveyance - Seller-08/19/2026 |
Resolved-Evidence F&C provided - Due Diligence Vendor-08/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.98% 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 - 9.42 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 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.02 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 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 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 | 10909683 | |||
| 729976 | 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 | ||||||||||||||||||||
| 752694 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-08-19 20:34 | 2026-08-21 13:38 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-updated - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Note that Source of large deposit is not required to be documented as per xxx. - Seller-08/20/2026 Open-Bank Statement Deposits – xxx: Provide a signed/dated B1 LOE and supporting documentation to source and explain the following deposits: xxx xxx (xxx), xxxxxx (xxx), xxx, xxxxxx and xxx. Per xxx, deposits exceeding 150% of average monthly total deposits must be sourced/explained or excluded, and deposits must be validated as eligible self-employed business income for inclusion in qualifying income. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Note that Source of large deposit is not required to be documented as per xxx. - Seller-08/20/2026 |
Resolved-updated - Due Diligence Vendor-08/21/2026 |
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 - 31 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 - 31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.43 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 | 10912902 | |||
| 197576 | 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 | ||||||||||||||||||||
| 852305 | 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 | ||||||||||||||||||||
| 139335 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2026-08-18 18:05 | 2026-08-21 10:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see page 188-190 in the loan package for the tax bill page 188 - xxx xxx + xxx + xxx page 189 - xxx Page 190 - xxx Per Tax Cert Township + County + School = / 12 xxx + xxx + xxx = xxx / 12 Uploaded the updated 1008. - Seller-08/19/2026 Open-Missing Property Tax Cert Unable to determine how lender calculated taxes - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please see page 188-190 in the loan package for the tax bill page 188 - xxx xxx + xxx + xxx page 189 - xxx Page 190 - xxx Per Tax Cert Township + County + School = / 12 xxx + xxx + xxx = xxx / 12 Uploaded the updated 1008. - Seller-08/19/2026 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/21/2026 |
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 0.11 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.35% Is Less Than The Guideline Maximum Of 49% 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 | 10878208 | |||
| 747747 | 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 | ||||||||||||||||||||
| 323917 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-08-18 18:46 | 2026-08-21 15:07 | 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-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded credit report - Seller-08/20/2026 Open-Borrower 1 Credit Report is Missing. B1 Credit Report: Provide the missing Credit Report for B1 for review and validation of credit history and liabilities. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please see uploaded credit report - Seller-08/20/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20 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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.3% Is Less Than The Guideline Maximum Of 49% 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 | 10878433 | |||
| 574280 | 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 | ||||||||||||||||||||
| 274635 | 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 | ||||||||||||||||||||
| 525361 | C | B | C | B | A | A | A | A | Closed | FCRE1193 | 2026-08-19 16:26 | 2026-08-28 18:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided an exception for 3% above allowed DTI ratio. The compensating factors are: FICO score xxx Low than minimum for LTV of 55% Zero late history in credit - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Counter-Since no rental income information was provided, the DTI was calculated above guidelines and will need a lender exception or alternative information to recalculate DTI. - Due Diligence Vendor-08/27/2026 Ready for Review-Rebuttal/Comment: There is no rental income and no rental income was used on the income calculation, rent comparable schedule form 1007 is not required. - Seller-08/26/2026 Counter-No rental income was used based on 1008 and 1003 only showing full PITIA included in DTI. No 1007 or other estimated rental income document found in file. Please provided any basis for rental income used in calculating DTI on 1008. - Due Diligence Vendor-08/24/2026 Ready for Review-xxx - rebuttal/comment: can you please advise wehere the rental income came from? - Seller-08/20/2026 Open-Audited DTI of 53.88% exceeds Guideline DTI of 50% “In 1008, the subject property rental income was not considered, as it resulted in varying DTI calculations.” Calculated (DTI is 53.88%) - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 Ready for Review-Rebuttal/Comment: There is no rental income and no rental income was used on the income calculation, rent comparable schedule form 1007 is not required. - Seller-08/26/2026 Ready for Review-xxx - rebuttal/comment: can you please advise wehere the rental income came from? - Seller-08/20/2026 |
Waived-Originator provided an exception for 3% above allowed DTI ratio. The compensating factors are: FICO score xxx Low than minimum for LTV of 55% Zero late history in credit - Due Diligence Vendor-08/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | 10907427 | |||
| 525361 | C | B | C | B | A | A | A | A | Closed | FCRE1160 | 2026-08-18 17:54 | 2026-08-27 11:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-Hazard Insurance Expiration Date of xxx is prior to or equal to the Note Date of xxx (expiration date seen on HOI document) - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-08/27/2026 |
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 - 15 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10878103 | |||
| 601606 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-08-18 07:43 | 2026-08-20 07:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Signed copy provided - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please refer to page 23 & 24 of the attached document. Thank you. - Seller-08/18/2026 Open-The document provided of the trust does not have any signature on it - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please refer to page 23 & 24 of the attached document. Thank you. - Seller-08/18/2026 |
Resolved-Signed copy provided - Due Diligence Vendor-08/20/2026 |
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 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.68 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 18.98% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.66% Is Less Than The Guideline Maximum Of 49% 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 - 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years |
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 | 10864616 | |||
| 531329 | C | A | C | A | A | A | A | A | Closed | FCRE1143 | 2026-08-19 08:11 | 2026-08-21 11:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-> 50% sold, lender recently added project to CPM but not waived - Due Diligence Vendor-08/21/2026 Ready for Review-Note that subject property shows the Condo Project Review Waived, It does not require questionnaire and thorough project. - Seller-08/19/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-08/19/2026 |
Ready for Review-Note that subject property shows the Condo Project Review Waived, It does not require questionnaire and thorough project. - Seller-08/19/2026 |
Resolved-> 50% sold, lender recently added project to CPM but not waived - Due Diligence Vendor-08/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.6% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.75% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10891500 | ||||
| 160254 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-08-20 18:06 | 2026-08-24 06:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-Incomplete or unexecuted Purchase Contract. Sales Contract Addendum: Provide the fully executed sales contract addendum reflecting the purchase price of xxx for the subject property. Additional conditions may apply upon review. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.23% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.77 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 - 9.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 19 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 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10937940 | |||
| 553080 | C | A | C | A | B | A | A | A | Closed | FCRE1193 | 2026-08-19 14:52 | 2026-08-24 06:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated guidelines - Due Diligence Vendor-08/24/2026 Resolved-Audited DTI of 52.5% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/24/2026 Ready for Review-rebuttal/comment: please refer to guideline as there is an exception of "Max 55% DTI with xxx Min FICO". Borrower had xxx MIN FICO - Seller-08/20/2026 Open-Audited DTI of 52.5% exceeds Guideline DTI of 49% - Due Diligence Vendor-08/19/2026 |
Ready for Review-rebuttal/comment: please refer to guideline as there is an exception of "Max 55% DTI with xxx Min FICO". Borrower had xxx MIN FICO - Seller-08/20/2026 |
Resolved-Updated guidelines - Due Diligence Vendor-08/24/2026 Resolved-Audited DTI of 52.5% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/24/2026 |
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 - 7.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.08% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
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 | 10901300 | ||||
| 553080 | C | A | C | A | B | A | A | A | Closed | FCOM1797 | 2026-08-19 17:26 | 2026-08-21 14:19 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-received SSPL - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-SSPL is missing - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-received SSPL - Due Diligence Vendor-08/21/2026 |
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 - 7.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.08% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10909680 | |||
| 682612 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-08-20 20:53 | 2026-08-27 21:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-OA provided - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-08/27/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN EIN Verification: Provide documentation confirming Employer Identification Number (EIN) xxx. The Application for Employer Identification Number provided does not confirm issuance of the EIN. Additional conditions may apply upon review. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-08/27/2026 |
Resolved-OA provided - Due Diligence Vendor-08/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.36% Is Below The Guideline Maximum Of 75% 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 | 10940178 | |||
| 943715 | 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 | ||||||||||||||||||||
| 734268 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-20 14:06 | 2026-08-21 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. xxx: Please see uploaded property profile, mortgage statement and property listing showing no HOA.. - Seller-08/20/2026 Open-REO – HOA Documentation: Provide documentation to validate whether HOA fees are applicable for xxx and xxx. No borrower documentation was provided to confirm whether HOA fees do or do not apply. Additional conditions may apply upon review. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. xxx: Please see uploaded property profile, mortgage statement and property listing showing no HOA.. - Seller-08/20/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.81% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10929578 | ||||
| 734268 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-08-20 14:04 | 2026-08-21 13:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved- - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open-Trust Agreement: Provide a copy of the fully executed Trust Agreement for The xxx, dated xxx. Additional conditions may apply upon review. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.17 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.81% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10929518 | ||||
| 218833 | 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 | ||||||||||||||||||||
| 192102 | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2026-08-19 16:42 | 2026-08-21 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-updated - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Uploaded updated 1003 & 1008 - Seller-08/20/2026 Open-LOE required explaining why all debts were excluded - xxx shows additional Debts, no LOX provided on why they are being excluded on the 1003 and 1008. additional conditions may apply - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Uploaded updated 1003 & 1008 - Seller-08/20/2026 |
Resolved-updated - Due Diligence Vendor-08/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.77% 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 | 10908190 | |||
| 671387 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-20 22:22 | 2026-08-27 21:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please note that borrower is in title only. Please see uploaded property profile, see page 13 LOE that this property is newly closed and there is no insurance. - Seller-08/27/2026 Open-REO – HOI: Provide documentation confirming current Homeowners Insurance (HOI) for xxx xxx. Additional conditions may apply upon review. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please note that borrower is in title only. Please see uploaded property profile, see page 13 LOE that this property is newly closed and there is no insurance. - Seller-08/27/2026 |
Resolved-Lender provided additional information. - Due Diligence Vendor-08/28/2026 |
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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.96% Is Less Than The Guideline Maximum Of 49% 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 - 5.00 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 | 10941174 | |||
| 384604 | 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 | ||||||||||||||||||||
| 274248 | 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 | ||||||||||||||||||||
| 386307 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 402437 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-08-19 08:37 | 2026-08-21 12:11 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received Revised LE - Due Diligence Vendor-08/21/2026 Resolved- - Due Diligence Vendor-08/21/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/21/2026 Open- - Due Diligence Vendor-08/21/2026 Open- - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see attached copy of the COC dated xxx. showing changes in lender credit. Thank you. - Seller-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 Open- - Due Diligence Vendor-08/20/2026 Open- - Due Diligence Vendor-08/19/2026 Open- - Due Diligence Vendor-08/19/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/19/2026 Open- - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Please see attached copy of the COC dated xxx. showing changes in lender credit. Thank you. - Seller-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/20/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-08/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.39% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10891861 | |||
| 551620 | C | A | A | A | C | A | A | A | Closed | FCOM1291 | 2026-08-19 08:48 | 2026-08-27 10:02 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) ***Received correct executed NORTC - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-****** Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Correct Right to Cancel Form xxx was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) ***Received correct executed NORTC - Due Diligence Vendor-08/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.84% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.32 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 25.16% Is Less Than The Guideline Maximum Of 49% 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 - 11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years |
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 | 10892024 | |||
| 272946 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-08-21 19:56 | 2026-08-27 19:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved- - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded trust cert to investor's portal - Seller-08/26/2026 Open-Trust Agreement: Provide a copy of the fully executed xxxdated xxx. Additional conditions may apply upon review. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Uploaded trust cert to investor's portal - Seller-08/26/2026 |
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 - 12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.34 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 37.73% Is Less Than The Guideline Maximum Of 49% 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 - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.75 Years |
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 | 10964256 | ||||
| 272946 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-08-21 20:01 | 2026-08-27 19:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Lender provided additional docs - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded reference letter and business listing - Seller-08/26/2026 Open-Business Verification: Provide the missing business reference letter, per GL requirements. Tax Preparer LOE and B1’s written narrative confirm xxx does not require a business/professional license. Additional conditions may apply upon review. - Due Diligence Vendor-08/22/2026 |
Ready for Review-Document Uploaded. Uploaded reference letter and business listing - Seller-08/26/2026 |
Resolved-Lender provided additional docs - Due Diligence Vendor-08/27/2026 |
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 - 12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.34 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 37.73% Is Less Than The Guideline Maximum Of 49% 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 - 12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.75 Years |
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 | 10964263 | |||
| 362728 | 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 | ||||||||||||||||||||
| 962751 | 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 | ||||||||||||||||||||
| 212098 | 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 | ||||||||||||||||||||
| 951163 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-20 13:05 | 2026-08-27 21:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-LM calculation error, borrower has xxx for reserves, xxx xxx to closing and received back xxx on PCCD for xxx > xxx - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. xxx: Please see updated Final 1003 for the updated list of assets disclosed. PCCD shows we have cash to borrower of xxx this can cover reserves on top of the xxx balance. - Seller-08/26/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Reserve Shortage: Provide documentation to cure the Total Reserve Amount Shortage of xxx Additional conditions may apply upon review. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. xxx: Please see updated Final 1003 for the updated list of assets disclosed. PCCD shows we have cash to borrower of xxx this can cover reserves on top of the xxx balance. - Seller-08/26/2026 |
Resolved-xxx calculation error, borrower has xxx for reserves, xxxxxx to closing and received back xxx on PCCD for xxx > xxx - Due Diligence Vendor-08/28/2026 |
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 24.91% Is Less Than The Guideline Maximum Of 49% 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 | 10927942 | |||
| 159098 | 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 | ||||||||||||||||||||
| 766020 | 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 | ||||||||||||||||||||
| 462477 | 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 | ||||||||||||||||||||
| 353844 | 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 | ||||||||||||||||||||
| 258164 | D | A | D | A | A | A | A | A | Closed | FCRE1200 | 2026-08-20 14:12 | 2026-08-26 10:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved- - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. Uploaded Exception - Seller-08/25/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded Exception - Seller-08/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.9% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.5 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 | 10929726 | ||||
| 258164 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-08-20 13:51 | 2026-08-26 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-08/25/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing There are copies of Employment verifications in the file, however, they all list no record available. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-08/25/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.9% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.5 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 | 10929041 | |||
| 901291 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 431191 | 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 | ||||||||||||||||||||
| 820870 | 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 | ||||||||||||||||||||
| 187745 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-08-20 16:13 | 2026-08-27 15:44 | 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-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide previous policy dated - xxx-xxxto be marked acceptable for the subject property. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
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-08/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.76% 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 23.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 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 | 10935291 | |||
| 355199 | 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 | ||||||||||||||||||||
| 889610 | 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 | ||||||||||||||||||||
| 604894 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||||
| 797315 | 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 | ||||||||||||||||||||
| 146523 | 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 | ||||||||||||||||||||
| 976952 | 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 | ||||||||||||||||||||
| 818127 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-08-21 08:15 | 2026-08-27 21:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Missing Removed gift from assets but slight reserve shortage now. - Due Diligence Vendor-08/28/2026 Resolved-Removed asset #3 or gift but now reserves are slightly less than needed. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please note gift fund in the amount of xxx was not used, refer to the uploaded final 1003. Thank you. - Seller-08/26/2026 Open-Asset 3 Missing Final 1003 indicates gift from other in the amount of xxx. Loan file does not contain gift letter or evidence of deposit. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please note gift fund in the amount of xxx was not used, refer to the uploaded final 1003. Thank you. - Seller-08/26/2026 |
Resolved-Asset 3 Missing Removed gift from assets but slight reserve shortage now. - Due Diligence Vendor-08/28/2026 Resolved-Removed asset #3 or gift but now reserves are slightly less than needed. - Due Diligence Vendor-08/28/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 10948426 | |||
| 313897 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 439036 | 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 | ||||||||||||||||||||
| 555456 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-08-21 16:33 | 2026-08-27 20:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-updated guidelines - Due Diligence Vendor-08/28/2026 Resolved-Audited DTI of 53.19% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/28/2026 Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Max 50% DTI (Max 55% DTI with xxx Min FICO)'' , loan has a score of xxx. - Seller-08/26/2026 Open-Audited DTI of 53.19% exceeds Guideline DTI of 49% - Exception required from Lender as Final 1008 also confirms DTI is over Lender maximum for program type - Due Diligence Vendor-08/21/2026 |
Ready for Review-Please note that per underwriter, they were advised that the update was effective immediately, revised guidelines were provided on xxx, and the file closed on xxx. File was underwritten with the updated guidelines: '' Max 50% DTI (Max 55% DTI with xxx Min FICO)'' , loan has a score of xxx. - Seller-08/26/2026 |
Resolved-updated guidelines - Due Diligence Vendor-08/28/2026 Resolved-Audited DTI of 53.19% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-08/28/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.73% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
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 | 10961786 | ||||
| 988109 | 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 | ||||||||||||||||||||
| 451142 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-08-27 08:13 | 2026-08-31 16:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.64% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/31/2026 Resolved-updated guidelines - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please note that this was reviewed with guideline xxx, refer to the attached guideline for reference. Thank you. - Seller-08/28/2026 Open-Audited DTI of 49.64% exceeds Guideline DTI of 49% - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Please note that this was reviewed with guideline xxx, refer to the attached guideline for reference. Thank you. - Seller-08/28/2026 |
Resolved-Audited DTI of 49.64% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/31/2026 Resolved-updated guidelines - Due Diligence Vendor-08/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.46 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 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.66% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | 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 | 11060562 | |||
| 515038 | 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 | ||||||||||||||||||||
| 721282 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-08-27 10:09 | 2026-08-31 16:57 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/31/2026 Resolved- - Due Diligence Vendor-08/31/2026 Ready for Review-Apologies, please see uploaded 1008. - Seller-08/28/2026 Ready for Review-Document Uploaded. Please see uploaded Canopy - Seller-08/28/2026 Open-1008/Underwriting Summary Not Provided validated - Due Diligence Vendor-08/27/2026 |
Ready for Review-Apologies, please see uploaded 1008. - Seller-08/28/2026 Ready for Review-Document Uploaded. Please see uploaded xxx - Seller-08/28/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 41.61% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 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 - 6 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11063130 | |||
| 573578 | D | A | D | A | C | A | A | A | Closed | FCRE1161 | 2026-08-27 03:02 | 2026-09-02 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Thanks - Due Diligence Vendor-09/02/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Sorry for the inconvenience, flood cert has been uploaded. - Seller-09/01/2026 Counter-Please reload, nothing was received. Thanks - Due Diligence Vendor-08/31/2026 Ready for Review-xxx Uploaded flood cert - Seller-08/28/2026 Open-Missing Flood Certificate Loan file is missing Flood Certificate. Provided flood cert. Additional conditions may apply. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Sorry for the inconvenience, flood cert has been uploaded. - Seller-09/01/2026 Ready for Review-xxx Uploaded flood cert - Seller-08/28/2026 |
Resolved-Thanks - Due Diligence Vendor-09/02/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 240.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 | 11054617 | |||
| 573578 | D | A | D | A | C | A | A | A | Closed | FCRE1241 | 2026-08-27 02:59 | 2026-08-31 16:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please note that since this is a xxx loan, we accept purchase contract as escrow instructions also is a xxx. - Seller-08/28/2026 Open-Purchase Contract Is Missing Loan file is missling purchase contract including all addendums. Additional conditions may apply. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Please note that since this is a xxx loan, we accept purchase contract as escrow instructions also is a xxx. - Seller-08/28/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 240.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 | 11054586 | |||
| 573578 | D | A | D | A | C | A | A | A | Closed | FCOM4227 | 2026-08-27 13:08 | 2026-08-31 11:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Uploaded ICD MDIA - Seller-08/28/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Uploaded xxx xxx - Seller-08/28/2026 |
Resolved-**Received ICD - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 240.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 | 11068799 | |||
| 651093 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2026-08-27 10:08 | 2026-08-31 17:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-removed trade in debt from DTI - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. uploaded 1003 - PC. It was paid off with TRADE-IN xxx - Seller-08/29/2026 Open-Audited DTI of 51.24% exceeds Guideline DTI of 49% Audited DTI of 51.24% exceeds Guideline DTI of 49%. Looking at the initial 1003 & the final 1003 it appears that the new auto loan was not included in the DTI listed on the 1008. This js the discrepancy in the DTI - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. uploaded 1003 - PC. It was paid off with TRADE-IN xxx xxx - Seller-08/29/2026 |
Resolved-removed trade in debt from DTI - Due Diligence Vendor-08/31/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |
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 | 11063113 | |||
| 651093 | C | A | C | A | C | A | A | A | Closed | finding-3542 | 2026-08-27 14:10 | 2026-08-28 12:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-08/27/2026 Open- - Due Diligence Vendor-08/27/2026 |
Resolved- - Due Diligence Vendor-08/28/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |
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 | 11070520 | |||||
| 651093 | C | A | C | A | C | A | A | A | Closed | finding-3438 | 2026-08-27 14:10 | 2026-08-28 12:30 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Dual Broker Compensation Test | Resolved- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open- - Due Diligence Vendor-08/28/2026 Open-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of xxx and broker compensation paid by another party of xxx.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. - Due Diligence Vendor-08/27/2026 Open- - Due Diligence Vendor-08/27/2026 |
Resolved- - Due Diligence Vendor-08/28/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |
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 | 11070524 | |||||
| 485120 | 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 | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 341710 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-08-28 04:26 | 2026-08-28 14:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/28/2026 Open-PUD Rider is Missing page 386 in file - Due Diligence Vendor-08/28/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.26 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 41.34% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.95% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 11082100 | |||||
| 767072 | 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 | ||||||||||||||||||||
| 392272 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 861408 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 939941 | 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 | ||||||||||||||||||||
| 915172 | 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 | ||||||||||||||||||||
| 357888 | 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 | ||||||||||||||||||||
| 621812 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-08-27 14:03 | 2026-09-03 12:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender exception for reserves < 12 months required for loan amount. - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Please see management exceptions. - Seller-09/02/2026 Counter-PCCD already received. Current 12 months reserves needed is 12 x xxx PITI = xxx needed. Post closing reserves at xxx leaving a shortage of xxx Credit score < xxx OR lender exception - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Please see uploaded PCCD - Cash to close - xxx. Assets can cover the reserves,. - Seller-08/31/2026 Open-Audited Reserves of 4.51 are less than Guideline Required Reserves of 12 Audited Reserves of 4.54 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Please see management exceptions. - Seller-09/02/2026 Ready for Review-Document Uploaded. Please see uploaded PCCD - Cash to close - xxx. Assets can cover the reserves,. - Seller-08/31/2026 |
Waived-Lender exception for reserves < 12 months required for loan amount. - Due Diligence Vendor-09/03/2026 |
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 - 6 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.23% Is Below The Guideline Maximum Of 65% 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 - 7.42 Years |
Low LTV DTI Excellent credit |
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 | Originator Post-Close | Yes | 11070238 | ||
| 621812 | C | B | C | B | A | A | A | A | Closed | FCRE1199 | 2026-08-27 13:57 | 2026-08-31 17:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender exception - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-08/29/2026 Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx Per, xxx 12 months reserves for over xxx loan amount - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-08/29/2026 |
Waived-Lender exception - Due Diligence Vendor-08/31/2026 |
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 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.23% Is Below The Guideline Maximum Of 65% 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 - 7.42 Years |
Low LTV Low DTI Excellent credit |
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 | Originator Pre-Close | Yes | 11070114 | ||
| 834341 | 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 | ||||||||||||||||||||
| 417579 | 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 | ||||||||||||||||||||
| 301929 | 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 | ||||||||||||||||||||
| 373411 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2026-08-27 21:25 | 2026-09-01 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-updated appraisal showing tenant occupied. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-09/01/2026 Open-Occupancy Discrepancy: Provide a signed and dated LOE from B1 explaining why the appraisal identifies the subject property, xxx.xxx, as owner occupied, when the loan reflects an investment property/business purpose transaction. Additional conditions may apply upon review. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. - Seller-09/01/2026 |
Resolved-updated appraisal showing tenant occupied. - Due Diligence Vendor-09/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.99% 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 75.38 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 - 10 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 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 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 0.11 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 11079681 | |||
| 373411 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-08-27 21:23 | 2026-08-31 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Documents received - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Seller-08/29/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN xxx: Provide a Certificate of Good Standing and EIN verification for xxx. Additional conditions may apply upon review. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. - Seller-08/29/2026 |
Resolved-Documents received - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.99% 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 75.38 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 - 10 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 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 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 0.11 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 11079676 | |||
| 710233 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-08-27 17:51 | 2026-08-31 17:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-letter provided - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Open-B1 – Business Reference: Provide one business reference letter to satisfy xxx requirements for a business/professional occupation that does not require a license. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 |
Resolved-letter provided - Due Diligence Vendor-08/31/2026 |
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 0.0 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 - 27 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.24% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 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 - 27 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.56% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 11076700 | |||
| 764151 | 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 | ||||||||||||||||||||
| 785611 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-27 22:34 | 2026-08-31 16:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-xxx verified and updated balance shows sufficient reserves - Due Diligence Vendor-08/31/2026 Ready for Review-Please note that this NQM file does not require reserves. Thank you. - Seller-08/28/2026 Open-Audited Reserves of 3.38 are less than Guideline Required Reserves of 6 Reserves: Shortage of xxx due to updated xxx xxx. xxx xxx from xxx to xxx per statement ending xxx, and xxx clearing after xxx, beyond the statement period. Provide sufficient verified assets and proof the xxx. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Please note that this NQM file does not require reserves. Thank you. - Seller-08/28/2026 |
Resolved-EMD verified and updated balance shows sufficient reserves - Due Diligence Vendor-08/31/2026 |
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 0.1 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.51% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 17.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11079832 | ||||
| 396746 | 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 | ||||||||||||||||||||
| 322764 | 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 | ||||||||||||||||||||
| 784145 | 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 | ||||||||||||||||||||
| 624715 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-08-27 09:29 | 2026-08-31 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolvedxxx HOA fees - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Open-For non subject property - xxx HOA Missing. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 |
Resolvedxxx HOA fees - Due Diligence Vendor-08/31/2026 |
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 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 - 20.00 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 - 19 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 - 19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.89 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 25.94% Is Less Than The Guideline Maximum Of 49% 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 |
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 | 11062050 | |||
| 920827 | 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 | ||||||||||||||||||||
| 909791 | 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 | ||||||||||||||||||||
| 793808 | 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 | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 563345 | D | A | D | A | C | A | A | A | Closed | FCOM2276 | 2026-08-27 15:57 | 2026-08-31 12:35 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please note that final cd closed date was on xxx and disbursement date on xxx Uploaded PCCD and final settlement statement. - Seller-08/28/2026 Open-Borrower 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-08/27/2026 |
Ready for Review-Document Uploaded. Please note that final cd closed date was on xxx and disbursement date on xxx Uploaded PCCD and final settlement statement. - Seller-08/28/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points 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 - 11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 | 11074247 | |||
| 563345 | D | A | D | A | C | A | A | A | Closed | FCRE1813 | 2026-08-27 23:58 | 2026-08-31 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Document uploaded - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Uploaded reference letter - Seller-08/28/2026 Open-B1 – Business Reference: Provide one business reference letter to satisfy xxx requirements for a business/professional occupation that does not require a license. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Uploaded reference letter - Seller-08/28/2026 |
Resolved-Document uploaded - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points 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 - 11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 | 11080053 | |||
| 563345 | D | A | D | A | C | A | A | A | Closed | FCRE1159 | 2026-08-27 06:05 | 2026-08-31 12:19 | 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-08/31/2026 Resolved- - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please note that per guidelines we are okay if effective date of hazard is on or before funding date, file was funded on xxx, also disbursement date was on xxx as it is showing on PCCD and final settlement statement. - Seller-08/28/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance: Provide updated Hazard Insurance for xxx eflecting an effective date on or prior to the Disbursement Date of xxx. Current policy effective date xxx is after disbursement. - Due Diligence Vendor-08/27/2026 |
docs uploaded- file was funded on xxx, also disbursement date was on xxx as it is showing on PCCD and final settlement statement - 08/31/2026 Ready for Review-Document Uploaded. Please note that per guidelines we are okay if effective date of hazard is on or before funding date, file was funded on xxx, also disbursement date was on xxx as it is showing on PCCD and final settlement statement. - Seller-08/28/2026 |
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-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points 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 - 11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 | 11058047 | |||
| 563345 | D | A | D | A | C | A | A | A | Closed | FCRE1161 | 2026-08-27 06:05 | 2026-08-31 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/28/2026 Open-Missing Flood Certificate for the subject property - xxx; - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Uploaded flood cert - Seller-08/28/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points 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 - 11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 | 11058048 | |||
| 446893 | 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 | ||||||||||||||||||||
| 387550 | 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 | ||||||||||||||||||||
| 606829 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-08-27 05:55 | 2026-08-28 09:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD shows disbursement date of xxx - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
Resolved-PCCD shows disbursement date of xxx - Due Diligence Vendor-08/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.77% Is Less Than The Guideline Maximum Of 49% 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 0.24 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11056809 | |||
| 133643 | 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 | ||||||||||||||||||||
| 319503 | 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 | ||||||||||||||||||||
| 841869 | 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 | ||||||||||||||||||||
| 915666 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 942574 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-08-28 02:37 | 2026-09-01 10:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV with pricing considerations. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-09/01/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 65% - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. - Seller-09/01/2026 |
Waived-Lender exception for LTV with pricing considerations. - Due Diligence Vendor-09/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.06% 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 - 9.25 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 0.05 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 11081318 | |||
| 871746 | 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 | ||||||||||||||||||||
| 360723 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-08-28 06:18 | 2026-09-01 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Apologies thought the note was in company name, only property, OA sufficient - Due Diligence Vendor-09/01/2026 Ready for Review-Please waive condition, we have no guidelines that we require EIN and evidence of Good Standing. We already provided LLC Docs/Operating Agreement showing borrower owner percentage - Seller-08/31/2026 Counter-OA received again, missing articles, COGS and EIN, thanks - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-08/28/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-08/28/2026 |
Ready for Review-Please waive condition, we have no guidelines that we require EIN and evidence of Good Standing. We already provided LLC Docs/Operating Agreement showing borrower owner percentage - Seller-08/31/2026 Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-08/28/2026 |
Resolved-Apologies thought the note was in company name, only property, xxx sufficient - Due Diligence Vendor-09/01/2026 |
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 - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.91% Is Less Than The Guideline Maximum Of 49% 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 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11084974 | |||
| 360723 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-08-28 05:54 | 2026-08-31 17:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please see uploaded Purchase Contract. - Seller-08/28/2026 Open-Purchase Contract Is Missing Loan file is missing the Purchase Contract and addendums. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Please see uploaded Purchase Contract. - Seller-08/28/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/31/2026 |
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 - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.91% Is Less Than The Guideline Maximum Of 49% 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 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11084612 | |||
| 424319 | 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 | ||||||||||||||||||||
| 572303 | 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 | ||||||||||||||||||||
| 504283 | 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 | ||||||||||||||||||||
| 212748 | 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 | ||||||||||||||||||||
| 591449 | C | A | C | A | C | A | A | A | Closed | finding-3939 | 2026-08-31 02:25 | 2026-09-02 09:53 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received Revised LE - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/01/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx • Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on __xxx__________. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. - Seller-09/01/2026 |
Resolved-***Received Revised LE - Due Diligence Vendor-09/02/2026 |
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 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 49% 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 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 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 | 11109363 | |||
| 591449 | C | A | C | A | C | A | A | A | Closed | FCRE6389 | 2026-09-01 08:11 | 2026-09-01 17:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Credit score not provided | Resolved-Updated score provided. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-09/01/2026 Open-Missing borrower's Equifax score. - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. - Seller-09/01/2026 |
Resolved-Updated score provided. - Due Diligence Vendor-09/01/2026 |
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 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25% Is Less Than The Guideline Maximum Of 49% 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 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 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 | 11139382 | |||
| 229488 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-02 06:44 | 2026-09-03 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information about no HOA. - Due Diligence Vendor-09/03/2026 Ready for Review-per uploaded property profile, property is Single Family Residence. Therefore there is no HOA - Seller-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 Open-Provide proof HOA for primary property located at xxx - Due Diligence Vendor-09/02/2026 |
Ready for Review-per uploaded property profile, property is Single Family Residence. Therefore there is no HOA - Seller-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 |
Resolved-Lender provided additional information about no HOA. - Due Diligence Vendor-09/03/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.22 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 25.12% Is Less Than The Guideline Maximum Of 49% 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 660 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 0.14 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 11163111 | |||
| 504135 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 739385 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-08-29 00:11 | 2026-09-04 04:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Adjusted using 100% of rental income - Due Diligence Vendor-09/04/2026 Resolved-Audited DTI of 52.8% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Please note that properties are own by the borrower and his wife, so we can use the 100% of the rental income. Refer to uploaded escrow instructions reflecting vesting as husband and wife. - Seller-09/03/2026 Open-Audited DTI of 60.04% exceeds Guideline DTI of 49% DTI Exceeds xxx: Audited DTI increased to 60.04%, exceeding the 49% xxx maximum, due to reduced rental income based on B1’s ownership percentages (33.33% – xxx.; 50% – xxx.) and inclusion of the xxx xxx. Provide loan approval supporting the higher DTI. - Due Diligence Vendor-08/29/2026 |
Ready for Review-Document Uploaded. Please note that properties are own by the borrower and his wife, so we can use the 100% of the rental income. Refer to uploaded escrow instructions reflecting vesting as husband and wife. - Seller-09/03/2026 |
Resolved-Adjusted using 100% of rental income - Due Diligence Vendor-09/04/2026 Resolved-Audited DTI of 52.8% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 24 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 0.01 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 29.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24 Years |
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 | 11105489 | |||
| 739385 | D | A | D | A | A | A | A | A | Closed | FCRE1183 | 2026-08-29 00:11 | 2026-09-04 04:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2026 Ready for Review-Please note that per guidelines max DTI of 55% with xxx Min FICO, we have xxx of credit score. - Seller-09/02/2026 Open-1008/Underwriting Summary Partially Provided DTI Exceeds GL: Underwriting Summary reflects a DTI of 53.11%, exceeding the maximum xxx allowance of 49%. Provide loan approval supporting the higher DTI. - Due Diligence Vendor-08/29/2026 |
Ready for Review-Please note that per guidelines max DTI of 55% with xxx Min FICO, we have xxx of credit score. - Seller-09/02/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 24 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 0.01 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 29.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24 Years |
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 | 11105488 | ||||
| 739385 | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2026-08-29 00:31 | 2026-09-04 04:23 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved- - Due Diligence Vendor-09/04/2026 Ready for Review-Please note that underwriter did the calculation basing on the summary of the rents with the lower amount of the multi units - xxx xxx: Zillow: xxx Lease: xxx xxx: Lease: xxx Zillow:xxx xxx+xxx= xxx - Seller-09/03/2026 Open-Rental Income – xxxProvide support for rental income used for the duplex. Zillow reflects estimated rent of xxxor only one unit, while executed leases reflect xxxand xxx Per xxx, rental income must be verified by executed lease agreement(s) and internet rental search, with the lower supported rental income used for qualification. Additional conditions may apply. - Due Diligence Vendor-08/29/2026 |
Ready for Review-Please note that underwriter did the calculation basing on the summary of the rents with the lower amount of the multi units - xxx - xxx. xxx: Lease: xxx Zillow: xxx xxx: Lease: xxx Zillow: xxx xxx+xxx= xxx - Seller-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 24 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 0.01 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 29.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24 Years |
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 | 11105500 | |||||
| 739385 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-08-28 23:49 | 2026-09-03 11:48 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Source provided - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Please note that we have provided the source of the opening account, that's why we didn't require the statement reflecting the 60 days. - Seller-09/02/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Assets – xxxPer xxx, asset accounts must be opened for more than 60 days. xxxwas opened xxxand the most recent statement ends xxx, reflecting less than 60 days. Provide documentation supporting the account meets GL requirements. Additional conditions may apply. - Due Diligence Vendor-08/29/2026 |
Ready for Review-Document Uploaded. Please note that we have provided the source of the opening account, that's why we didn't require the statement reflecting the 60 days. - Seller-09/02/2026 |
Resolved-Source provided - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 24 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 0.01 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 29.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24 Years |
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 | 11105469 | |||
| 700497 | 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 | ||||||||||||||||||||
| 987011 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-08-31 14:52 | 2026-09-02 07:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-1003 updated to reflect NOO - Due Diligence Vendor-09/02/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded revised 1003 - Seller-09/02/2026 Open-Provide updated final 1003 that reflects borrower will not occupy the property as primary in Section 5 Declarations. - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. Uploaded revised 1003 - Seller-09/02/2026 |
Resolved-1003 updated to reflect NOO - Due Diligence Vendor-09/02/2026 Resolved-The Final 1003 is Present - Due Diligence Vendor-09/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.01 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 36.91% Is Less Than The Guideline Maximum Of 49% 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 - 20 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 0.07 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 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11125928 | |||
| 654590 | 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 | ||||||||||||||||||||
| 388087 | 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 | ||||||||||||||||||||
| 675717 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-01 15:21 | 2026-09-02 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/01/2026 Open-Missing verification of insurance for the property located at xxx - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. - Seller-09/01/2026 |
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 0.06 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 31.26 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 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 | 11151664 | ||||
| 238804 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-09-01 09:29 | 2026-09-02 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Docs provided - Due Diligence Vendor-09/02/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded HOA Docs - Seller-09/01/2026 Open-HOA Questionnaire is Missing or incomplete Provide the missing Building Inspection Report and Structural Integrity Reserve Study (SIRS). Additionally, provide confirmation that the HOA budget contains sufficient funds to meet required reserve requirements. HOA Budget is provided; however, sufficient reserves have not been confirmed. Additional conditions may apply upon review. - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. Uploaded HOA Docs - Seller-09/01/2026 |
Resolved-Docs provided - Due Diligence Vendor-09/02/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.4 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 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 0.03 |
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 | 11140632 | |||
| 925262 | C | A | A | A | A | A | C | A | Closed | FVAL2477 | 2026-08-31 17:00 | 2026-09-02 16:58 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded appraiser E&O - Seller-09/02/2026 Open-Appraiser E&O Insurance: Provide evidence of current E&O coverage for xxx / xxx, effective as of the Appraisal Report Date of xxx. Additional conditions may apply upon review. - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. Uploaded appraiser E&O - Seller-09/02/2026 |
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 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.69% Is Less Than The Guideline Maximum Of 49% 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 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11128742 | ||||
| 734831 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-08-31 11:45 | 2026-09-02 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-docs provided, this loan was the down payment for the other one. - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Closing Statement/Mortgage Payment – Primary Residence: Provide the xxx Closing/Settlement Statement and proof of mortgage payment for xxx, associated with xxx. xxx, reflecting monthly PITIA of xxx Additional conditions may apply upon review. - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. - Seller-09/02/2026 |
Resolved-docs provided, this loan was the down payment for the other one. - Due Diligence Vendor-09/02/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.84% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 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 116.43 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 | 11120283 | |||
| 734831 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-08-31 19:17 | 2026-09-02 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Letter provided - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 Open-Reference Letter: Provide one (1) reference letter for the borrower’s business, xxx, per xxx requirements. Additional conditions may apply upon review. - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. - Seller-09/02/2026 |
Resolved-Letter provided - Due Diligence Vendor-09/02/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.84% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 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 116.43 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 | 11130715 | |||
| 652988 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-09-01 10:10 | 2026-09-04 04:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender exception for reserves - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Please see attached copy of the management exception. Thank you, - Seller-09/03/2026 Counter-The check provided, drawn off xxx, doesn't add to reserves or available funds to close since it would seem to come from borrower's account which we have account statements. Please provide evidence of additional reserves OR lender exception. Thanks - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 Counter-Borrower needs 6 months reserves xxx; xxx assets total xxx from which another xxx is needed to close leaving a shortfall. xxx gift of equity is shown on xxx where funds are still needed to bring to closing) If additional assets are added please adjust 1003 and 1008. OR lender exception could also be used. - Due Diligence Vendor-09/02/2026 Ready for Review-Please note that reserves is enough, no short of funds. Required reserves: 6*xxx=xxx Reserves Amount: xxx Verified assets: xxx(per VOD) Verified assets - Reserves = xxx-xxx=xxx Gift of Equity - xxx Funds to Close - xxx + xxx=xxx Final cash to close is xxx Funds to close is xxx - Seller-09/01/2026 Open-Audited Reserves of 4.96 are less than Guideline Required Reserves of 6. Provide sufficient verified assets to cure the Total Reserve Amount Shortage of xxx and meet GL reserve requirements. Verified xxx accounts total xxx, with xxx in Gift Funds and xxx IPC toward closing costs, which are insufficient to meet the required funds/reserves. - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. Please see attached copy of the management exception. Thank you, - Seller-09/03/2026 Ready for Review-Document Uploaded. - Seller-09/02/2026 Ready for Review-Please note that reserves is enough, no short of funds. Required reserves: 6*xxx=xxx Reserves Amount: xxx Verified assets: xxx (per VOD) Verified assets - Reserves = xxx-xxx=-xxx Gift of Equity - xxx Funds to Close - $-xxx + xxx=xxx Final cash to close is xxx Funds to close is xxx - Seller-09/01/2026 |
Waived-Lender exception for reserves - Due Diligence Vendor-09/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 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 - 14 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 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14 Years |
History of employment | xxx | 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 | 11141525 | ||
| 541268 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-01 07:20 | 2026-09-03 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA info provided - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Uploaded Property Profile. Please see pages 7-8. - Seller-09/02/2026 Open-Provide HOA documentation for REO property - xxx if applicable - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. Uploaded Property Profile. Please see pages 7-8. - Seller-09/02/2026 |
Resolved-HOA info provided - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.44 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 36.2% Is Less Than The Guideline Maximum Of 49% 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 - 10 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 0.18 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 - 11 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 | 11138609 | |||
| 385818 | 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 | ||||||||||||||||||||
| 532291 | 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 | ||||||||||||||||||||
| 810140 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2026-09-01 09:56 | 2026-09-03 08:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Uploaded tax bill and tax calculation - Seller-09/02/2026 Open-Missing Property Tax Cert Provide Property tax document for the subject property. current tax document in file does not show tax figure used to qualify. - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. Uploaded tax bill and tax calculation - Seller-09/02/2026 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-09/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.52% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11141230 | |||
| 917633 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 456396 | 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 | ||||||||||||||||||||
| 517138 | 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 | ||||||||||||||||||||
| 691055 | 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 | ||||||||||||||||||||
| 904271 | 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 | ||||||||||||||||||||
| 809068 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 385175 | 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 | ||||||||||||||||||||
| 673143 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-09-03 14:41 | 2026-09-08 09:21 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD. - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. Uploaded PCCD and final settlement statement - Seller-09/04/2026 Open-******* Borrower executed documents on xxx_. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/03/2026 Open- - Due Diligence Vendor-09/03/2026 Open- - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. Uploaded PCCD and final settlement statement - Seller-09/04/2026 |
Resolved-***Received PCCD. - Due Diligence Vendor-09/08/2026 |
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 - 23 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.56% 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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 22 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11202833 | |||
| 390051 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-02 07:45 | 2026-09-03 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided property history report of no HOA. - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. xxx - per uploaded property profile, property is Single Family Residence. Therefore there is no HOA - Seller-09/02/2026 Open-Add :- xxx, HOA OR ASSOCIATION IS MISSING - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. xxx - per uploaded property profile, property is Single Family Residence. Therefore there is no HOA - Seller-09/02/2026 |
Resolved-Lender provided property history report of no HOA. - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11164100 | |||
| 867720 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 127762 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-09-02 10:27 | 2026-09-03 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-OA provided - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-09/02/2026 Open-Loan file contained a xxx however loan file is missing Operating Agreement, xxx - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-09/02/2026 |
Resolved-xxx provided - Due Diligence Vendor-09/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.81% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.31 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 - 9 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11167576 | |||
| 439355 | C | A | C | A | C | A | A | A | Closed | finding-3532 | 2026-09-02 16:10 | 2026-09-08 09:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received ICD and disclosure tracking information - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. - Seller-09/04/2026 Counter-***Received disclosure tracking information. We are still missing a copy of the disclosure. - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-09/03/2026 Open- - Due Diligence Vendor-09/03/2026 Open- - Due Diligence Vendor-09/02/2026 Open- - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. - Seller-09/04/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 |
Resolved-***Received ICD and disclosure tracking information - Due Diligence Vendor-09/08/2026 |
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 0.04 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 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.61% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.6 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 - 17.00 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 | 11177325 | |||
| 439355 | C | A | C | A | C | A | A | A | Closed | FCRE1167 | 2026-09-02 04:05 | 2026-09-04 09:31 | 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-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx xxx Coverage A, xxx Extended, xxx Dwelling Replacement cost) is less than the minimum required coverage amount of xxx - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. - Seller-09/03/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/04/2026 |
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 0.04 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 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.61% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.6 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 - 17.00 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 | 11161256 | |||
| 573585 | 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 | ||||||||||||||||||||
| 204290 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-03 12:30 | 2026-09-04 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information showing no HOA fees. - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Please see the attached listing. Both properties have no HOA. - Seller-09/03/2026 Open-Loan file is missing HOA fees or LOX confirming no HOA's for xxx. Additional conditions may apply. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. Please see the attached listing. Both properties have no HOA. - Seller-09/03/2026 |
Resolved-Lender provided additional information showing no HOA fees. - Due Diligence Vendor-09/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.87 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 29.62% Is Less Than The Guideline Maximum Of 49% 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 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11199376 | |||
| 177970 | 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 | ||||||||||||||||||||
| 863034 | 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 | ||||||||||||||||||||
| 914344 | 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 | ||||||||||||||||||||
| 546562 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-09-02 18:51 | 2026-09-08 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/08/2026 Resolved-Complete contract received, the first copy was garbled and not all of it came over. Thanks for sending the full copy. - Due Diligence Vendor-09/08/2026 Ready for Review-xxx: This is included in the loan package, please see pages 270-286. - Seller-09/04/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-09/02/2026 |
Ready for Review-xxx: This is included in the loan package, please see pages 270-286. - Seller-09/04/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/08/2026 Resolved-Complete contract received, the first copy was garbled and not all of it came over. Thanks for sending the full copy. - Due Diligence Vendor-09/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.41% 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 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 - 6.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.93 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 65.47% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11182096 | ||||
| 332128 | 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 | ||||||||||||||||||||
| 421800 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-09-02 11:35 | 2026-09-08 09:10 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD with xxx disbursement date provided - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. Uploaded PCCD - Seller-09/04/2026 Counter-Is there a PCCD or other closing statement showing the xxx date, if so please forward. Thanks - Due Diligence Vendor-09/04/2026 Ready for Review-The loan funded on xxx, which coincides with the Hazard Insurance effective date of xxx. Therefore, hazard insurance was in effect on the loan funding date - Seller-09/03/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. Uploaded PCCD - Seller-09/04/2026 Ready for Review-The loan funded on xxx, which coincides with the Hazard Insurance effective date of xxx. Therefore, hazard insurance was in effect on the loan funding date - Seller-09/03/2026 |
Resolved-PCCD with xxx disbursement date provided - Due Diligence Vendor-09/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.53 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 - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.96% 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 | 11169482 | |||
| 421800 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-03 14:29 | 2026-09-04 07:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Uploaded Note and Final CD - Seller-09/03/2026 Open-Need Total Primary Housing Expense for xxx- xxx considered from final 1003, borrower recently purchased property from xxx and no supporting documents are provided. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. Uploaded Note and Final CD - Seller-09/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.53 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 - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.96% 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 | 11202581 | ||||
| 490490 | 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 | ||||||||||||||||||||
| 838813 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-09-04 06:57 | 2026-10-12 15:37 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 Open-Appraisal is Missing - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. - Seller-09/08/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-09/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.22 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.59% Is Less Than The Guideline Maximum Of 49% 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 | 11217357 | |||
| 838813 | D | A | A | A | A | A | D | A | Closed | FPRO9939 | 2026-09-04 03:28 | 2026-09-09 05:39 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-09/09/2026 Resolved- - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Please note LCA score is 1, refer to the attached document. Thank you. - Seller-09/08/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Please note LCA score is 1, refer to the attached document. Thank you. - Seller-09/08/2026 |
Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-09/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.22 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.59% Is Less Than The Guideline Maximum Of 49% 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 | 11213556 | |||
| 480485 | 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 | ||||||||||||||||||||
| 668461 | 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 | ||||||||||||||||||||
| 855961 | 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 | ||||||||||||||||||||
| 724475 | 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 | ||||||||||||||||||||
| 225925 | 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 | ||||||||||||||||||||
| 970837 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-09-04 05:32 | 2026-09-09 07:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 51.58% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/09/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/09/2026 Ready for Review-09/08 - rebuttal/comment: per guideline, "Max 55% DTI with xxx Min FICO". Borrower's FICO Score is xxx. - Seller-09/08/2026 Open-Audited DTI of 51.58% exceeds Guideline DTI of 49% Calculated DTI of 51.54% exceeds Guideline DTI of 50% - Due Diligence Vendor-09/04/2026 |
Ready for Review-09/08 - rebuttal/comment: per guideline, "Max 55% DTI with xxx Min FICO". Borrower's FICO Score is xxx. - Seller-09/08/2026 |
Resolved-Audited DTI of 51.58% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/09/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/09/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Per 1008 Lender approved loan with DTI 51%. There is no exception in file. Per xxx Max DTI is 49% | 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 | 11214603 | |||
| 324123 | 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 | ||||||||||||||||||||
| 800971 | 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 | ||||||||||||||||||||
| 252240 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-08 12:29 | 2026-09-15 06:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated guidelines - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Purchase transaction reserves are waived. 70% LTV 0x30x12. Please see uploaded xxx. - Seller-09/14/2026 Counter-Still slightly less than needed reserves. xxx in 2 accounts xxx+ xxx= xxx - Funds to close xxx = xxx < 6 months reserves of xxx. - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. Please see uploaded PCCD - CTC (0.00). We have enough reserves. Total Required Assets xxx*6= xxx Verified Assets: xxx xxx xxx xxx Funds to Close - xxx - Seller-09/10/2026 Open-Audited Reserves of 5.47 are less than Guideline Required Reserves of 6 Showing 2 xxx Accts ending in xxx. Need another satisfactory source of assets to qaulify. No asset reserves exception found in the file. - Due Diligence Vendor-09/08/2026 |
Ready for Review-Document Uploaded. Purchase transaction reserves are waived. 70% LTV 0x30x12. Please see uploaded xxx. - Seller-09/14/2026 Ready for Review-Document Uploaded. Please see uploaded PCCD - CTC (0.00). We have enough reserves. Total Required Assets xxx*6= xxx Verified Assets: xxx xxx xxxxxx Funds to Close - xxx - Seller-09/10/2026 |
Resolved-Updated guidelines - Due Diligence Vendor-09/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 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 - 11 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 0.07 |
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 | 11251123 | |||
| 655363 | 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 | ||||||||||||||||||||
| 971920 | 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 | ||||||||||||||||||||
| 899781 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-09-08 08:37 | 2026-09-11 10:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-updated guidelines - Due Diligence Vendor-09/11/2026 Resolved-Audited DTI of 54.52% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/11/2026 Ready for Review-09/10 - rebuttal/comment: per guideline, "Max 55% DTI with xxx Min FICO". Borrower's FICO Score is xxx. - Seller-09/10/2026 Open-Audited DTI of 54.52% exceeds Guideline DTI of 49% Audited DTI of 54.52% exceeds Guideline DTI of 49%. No Exception in file. - Due Diligence Vendor-09/08/2026 |
Ready for Review-xxx - rebuttal/comment: per guideline, "Max 55% DTI with xxx Min FICO". Borrower's FICO Score is xxx. - Seller-09/10/2026 |
Resolved-updated guidelines - Due Diligence Vendor-09/11/2026 Resolved-Audited DTI of 54.52% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-09/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.26 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.92% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
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 | 11245503 | ||||
| 410004 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-09-08 14:17 | 2026-09-11 15:39 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received evidence of correct disbursement date - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. Uploaded FSS - Seller-09/10/2026 Open-Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/10/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ),Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-09/08/2026 |
Ready for Review-Document Uploaded. Uploaded FSS - Seller-09/10/2026 |
Resolved-Received evidence of correct disbursement date - Due Diligence Vendor-09/11/2026 |
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 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.45 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 26.68% 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.22% Is Below The Guideline Maximum Of 75% 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 | Cash Out - Other | N/A | N/A | 11253736 | |||
| 247427 | 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 | ||||||||||||||||||||
| 294514 | 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 | ||||||||||||||||||||
| 162146 | 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 | ||||||||||||||||||||
| 634731 | 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 | ||||||||||||||||||||
| 718543 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-09 17:26 | 2026-09-14 20:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-guideline update - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Please see uploaded guidelines. For purchase reserves are waived. LTV less than 70%, 0x30x12. - Seller-09/14/2026 Open-After adding wire of xxx. Account is still short reserves. - Due Diligence Vendor-09/11/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Audited Reserves of are less than Guideline Required Reserves of 9 - Due Diligence Vendor-09/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded guidelines. For purchase reserves are waived. LTV less than 70%, 0x30x12. - Seller-09/14/2026 |
Resolved-guideline update - Due Diligence Vendor-09/15/2026 |
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 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.97% 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 | 11284919 | |||
| 718543 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-09-09 17:20 | 2026-09-14 20:07 | 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-09/15/2026 Resolved-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Docs provided to show xxx wire - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. Please see uploaded source of funds for xxx (xxx) - Seller-09/10/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx3. Acc xxx transferred xxx on xxx no supporting document is available to verify the amount. Hence, the assets showing the shortage - Due Diligence Vendor-09/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded source of funds for xxx (xxx) - Seller-09/10/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-09/15/2026 Resolved-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Docs provided to show xxx wire - Due Diligence Vendor-09/11/2026 |
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 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.97% 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 | 11284838 | |||
| 992783 | 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 | ||||||||||||||||||||
| 753954 | 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 | ||||||||||||||||||||
| 321225 | D | A | D | A | C | A | A | A | Closed | FCRE1503 | 2026-09-09 06:10 | 2026-09-14 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-FCD and note for rental provided. - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. Please see uploaded Note & CD for xxx. - Seller-09/11/2026 Counter-The note or FCD for xxx would show the terms of the other loan. Thanks - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. Please see uploaded Payoff Letter for xxx - Seller-09/10/2026 Open-Mortgage statement missing xxx - Due Diligence Vendor-09/09/2026 |
Ready for Review-Document Uploaded. Please see uploaded Note & CD for xxx. - Seller-09/11/2026 Ready for Review-Document Uploaded. Please see uploaded Payoff Letter for xxx. - Seller-09/10/2026 |
Resolved-FCD and note for rental provided. - Due Diligence Vendor-09/14/2026 |
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 0.19 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.38 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.82% 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 - 635 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11268207 | |||
| 574206 | 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 | ||||||||||||||||||||
| 840651 | 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 | ||||||||||||||||||||
| 704654 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 530640 | 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 | ||||||||||||||||||||
| 467078 | 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 | ||||||||||||||||||||
| 206592 | 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 | ||||||||||||||||||||
| 597431 | 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 | ||||||||||||||||||||
| 463121 | C | B | C | B | A | A | A | A | Closed | FCRE3874 | 2026-09-10 01:20 | 2026-09-11 06:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Lender exception for investment purchase in rural area. - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. - Seller-09/10/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Properties must comply with all of the following criteria: Primary residences and second home only (investment properties not allowed) - QC unable to find exception in file - Due Diligence Vendor-09/10/2026 |
Ready for Review-Document Uploaded. - Seller-09/10/2026 |
Waived-Lender exception for investment purchase in rural area. - Due Diligence Vendor-09/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years |
Reserves DTI less than max by 5% |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 11288744 | ||
| 715506 | 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 | ||||||||||||||||||||
| 237201 | 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 | ||||||||||||||||||||
| 668586 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-09-10 07:17 | 2026-09-14 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. Uploaded - Seller-09/14/2026 Open-Missing Flood Certificate - Due Diligence Vendor-09/10/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-09/14/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/14/2026 |
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 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More 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 - 9.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.88% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
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 | 11294538 | |||
| 227888 | 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 | ||||||||||||||||||||
| 788714 | 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 | ||||||||||||||||||||
| 564545 | 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 | ||||||||||||||||||||
| 200661 | 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 | ||||||||||||||||||||
| 327807 | 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 | ||||||||||||||||||||
| 181438 | 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 | ||||||||||||||||||||
| 771519 | 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 | ||||||||||||||||||||
| 885650 | 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 | ||||||||||||||||||||
| 548216 | 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 | ||||||||||||||||||||
| 268262 | C | A | A | A | C | A | C | A | Closed | finding-3632 | 2026-09-14 11:47 | 2026-09-15 09:00 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 Open-****Closing Disclosure (required to be received by the consumer 3 business days prior to consummation. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to the borrower. - Due Diligence Vendor-09/14/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2026 |
Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 |
Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 |
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 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 - 36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.15% 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 46.8 Are Greater Than The Guideline Minimum Of 9 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 - 38 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
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 | 11361688 | ||||
| 268262 | C | A | A | A | C | A | C | A | Closed | finding-3540 | 2026-09-14 11:47 | 2026-09-15 09:00 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 Ready for Review-Uploaded MDIA CD - Seller-09/14/2026 Open-****Closing Disclosure (required to be received by the consumer 3 business days prior to consummation. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to the borrower. - Due Diligence Vendor-09/14/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-09/14/2026 |
Ready for Review-Uploaded MDIA CD - Seller-09/14/2026 |
Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 |
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 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 - 36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.15% 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 46.8 Are Greater Than The Guideline Minimum Of 9 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 - 38 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% 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 | Cash Out - Other | N/A | N/A | 11361685 | |||
| 268262 | C | A | A | A | C | A | C | A | Closed | finding-3634 | 2026-09-14 11:47 | 2026-09-15 09:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 Open-****Closing Disclosure (required to be received by the consumer 3 business days prior to consummation. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to the borrower. - Due Diligence Vendor-09/14/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/14/2026 |
Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 |
Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 |
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 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 - 36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.15% 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 46.8 Are Greater Than The Guideline Minimum Of 9 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 - 38 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
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 | 11361686 | ||||
| 268262 | C | A | A | A | C | A | C | A | Closed | finding-3631 | 2026-09-14 11:47 | 2026-09-15 09:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 Open-****Closing Disclosure (required to be received by the consumer 3 business days prior to consummation. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide proof of delivery to the borrower. - Due Diligence Vendor-09/14/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2026 |
Ready for Review- Uploaded MDIA CD - Seller-09/14/2026 |
Resolved-Received CD's disclosure tracking information - Due Diligence Vendor-09/15/2026 |
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 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 - 36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.15% 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 46.8 Are Greater Than The Guideline Minimum Of 9 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 - 38 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
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 | 11361687 | ||||
| 268262 | C | A | A | A | C | A | C | A | Closed | FVAL9739 | 2026-09-11 07:31 | 2026-09-14 18:56 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Lender provided transfer doc - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. Uploaded transfer letter and cert - Seller-09/14/2026 Open-Provide the transferred appraisal certification from xxx confirming the transfer of the subject appraisal report and its acceptance for use in the current loan file. - Due Diligence Vendor-09/11/2026 |
Ready for Review-Document Uploaded. Uploaded transfer letter and cert - Seller-09/14/2026 |
Resolved-Lender provided transfer doc - Due Diligence Vendor-09/14/2026 |
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 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 - 36 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.15% 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 46.8 Are Greater Than The Guideline Minimum Of 9 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 - 38 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% 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 | Cash Out - Other | N/A | N/A | 11322432 | |||
| 189647 | 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 | ||||||||||||||||||||
| 618482 | 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 | ||||||||||||||||||||
| 427256 | 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 | ||||||||||||||||||||
| 579592 | 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 | ||||||||||||||||||||
| 209019 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-09-11 02:40 | 2026-09-14 19:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated guidelines - Due Diligence Vendor-09/14/2026 Resolved-Audited DTI of 49.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. Please note that loan closed on xxx, since xxx there was an announcement outlined effective immediately from our compliance team stating some updates on some of the programs, DTI guideline was also updated, '' Max 50% DTI (Max 55% DTI with xxx Min FICO) '' - Seller-09/14/2026 Open-Audited DTI of 49.96% exceeds Guideline DTI of 49% per Matrix dated xxx. - Due Diligence Vendor-09/11/2026 |
Ready for Review-Document Uploaded. Please note that loan closed on xxx, since xxx there was an announcement outlined effective immediately from our compliance team stating some updates on some of the programs, DTI guideline was also updated, '' Max 50% DTI (Max 55% DTI with xxx Min FICO) '' - Seller-09/14/2026 |
Resolved-Updated guidelines - Due Diligence Vendor-09/14/2026 Resolved-Audited DTI of 49.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/14/2026 |
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 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - . Months Reserves Of 12.04 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 | 11317628 | |||
| 175874 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-09-11 13:19 | 2026-09-15 16:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved- - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Uploaded executed trust cert - Seller-09/15/2026 Open-Unexecuted Certification of Trust provided on page 517. Provide valid Trust Certificate. - Due Diligence Vendor-09/11/2026 |
Ready for Review-Document Uploaded. Uploaded executed trust cert - Seller-09/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.08% Is Below The Guideline Maximum Of 65% 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 - 30.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.05% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11332113 | ||||
| 291905 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-09-15 12:23 | 2026-09-15 16:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved- - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/15/2026 Open-Trust Documentation: Provide the fully executed Trust Agreement or Trust Certification for xxx dated xxx, reflecting Borrower individually and as Trustee. Additional conditions may apply upon review. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. - Seller-09/15/2026 |
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 - 32 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.26% 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 25.64% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11392523 | ||||
| 218141 | 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 | ||||||||||||||||||||
| 279517 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2026-09-14 07:33 | 2026-09-18 11:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx. - Seller-09/17/2026 Counter-Documents provided do not resolve the findings. Although revised LE issued xxx was not locked, it disclosed new fees in Section B that were not part of the initial baseline set by the initial LE issued xxx. Fees in Section B are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-09/17/2026 Ready for Review-Please note that LE issues xxx, it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Counter-***New fees in Section B and increase to discount points fee in Section A were disclosed in the Revised LE issued xxx. File does not contain a valid COC reason in relation to the increase and disclosure of new fees. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 Open-******The following charges have been either added or increased: Loan Discount, Appraisal Management Fee and Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx - Seller-09/17/2026 Ready for Review-Please note that LE issues xxx it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 |
Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 |
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 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 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 0.03 |
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 | 11355276 | |||
| 279517 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-09-14 07:33 | 2026-09-18 11:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx. - Seller-09/17/2026 Counter-Documents provided do not resolve the findings. Although revised LE issued xxx was not locked, it disclosed new fees in Section B that were not part of the initial baseline set by the initial LE issued xxx. Fees in Section B are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-09/17/2026 Ready for Review-Please note that LE issues xxx, it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Counter-***New fees in Section B and increase to discount points fee in Section A were disclosed in the Revised LE issued xxx. File does not contain a valid COC reason in relation to the increase and disclosure of new fees. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 Open-******The following charges have been either added or increased: Loan Discount, Appraisal Management Fee and Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/15/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/15/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/15/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx. - Seller-09/17/2026 Ready for Review-Please note that LE issues xxx, it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 |
Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 |
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 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 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 0.03 |
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 | 11355277 | |||
| 279517 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-09-14 07:33 | 2026-09-18 11:00 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx. - Seller-09/17/2026 Counter-Documents provided do not resolve the findings. Although revised LE issued xxx was not locked, it disclosed new fees in Section B that were not part of the initial baseline set by the initial LE issued xxx in Section B are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Please note that LE issues xxx, it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Counter-***New fees in Section B and increase to discount points fee in Section A were disclosed in the Revised LE issued xxx. File does not contain a valid COC reason in relation to the increase and disclosure of new fees. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 Open-******The following charges have been either added or increased: Loan Discount, Appraisal Management Fee and Credit Report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/15/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/15/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/15/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. Please note that the document reflecting loan estimate xxx, it's a broker fee sheet, if you check on their 1rst and 3rd page is not showing xxx as the other disclosures that we have, our initial LE is dated xxx. - Seller-09/17/2026 Ready for Review-Document Uploaded. Please note that LE issues xxx, it's the initial LE which was not lock, LE ( V1 - xxx ) it has a COC and it's also showing that it has been locked on that date. - Seller-09/16/2026 Ready for Review-Document Uploaded. Uploaded Initial CD with COC - Seller-09/15/2026 |
Resolved-***Received lender explanation advising that the LE issued xxx was not the lender issued ILE. - Due Diligence Vendor-09/18/2026 |
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 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 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 0.03 |
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 | 11355278 | |||
| 279517 | C | A | C | A | C | A | A | A | Closed | FCRE1480 | 2026-09-15 09:45 | 2026-09-15 16:55 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/15/2026 Resolved-Lender provided further explanation. - Due Diligence Vendor-09/15/2026 Ready for Review-Please note that per underwriter, the wording was not required since per bank statements provided the balance showed in the 12 months shows that the borrower is able to manage the business and use the funds - Seller-09/15/2026 Open-Asset 2 Does Not Meet Guideline Requirements Business Funds – xxx: Provide a licensed Tax Preparer letter confirming withdrawal/use of funds from xxx acct. xxx will not negatively impact business operations, as the business is being used for income qualification. Additional conditions may apply upon review. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Please note that per underwriter, the wording was not required since per bank statements provided the balance showed in the 12 months shows that the borrower is able to manage the business and use the funds - Seller-09/15/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/15/2026 Resolved-Lender provided further explanation. - Due Diligence Vendor-09/15/2026 |
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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 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 0.03 |
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 | 11387578 | ||||
| 691854 | 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 | ||||||||||||||||||||
| 747669 | 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 | ||||||||||||||||||||
| 659403 | 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 | ||||||||||||||||||||
| 999386 | 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 | ||||||||||||||||||||
| 250707 | D | A | D | A | A | A | A | A | Closed | FCRE1813 | 2026-09-14 23:19 | 2026-09-16 05:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Letter provided. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded reference letter - Seller-09/15/2026 Open-Reference Letter – B1: Per xxx, for occupations not requiring a license, provide one (1) reference letter for B1 to support the self-employed construction laborer occupation. Additional conditions may apply upon review. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Uploaded reference letter - Seller-09/15/2026 |
Resolved-Letter provided. - Due Diligence Vendor-09/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.28 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 32.2% Is Less Than The Guideline Maximum Of 49% 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 - 8.00 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 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 - 20 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 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.95% Is Below The Guideline Maximum Of 65% 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 | Cash Out - Other | N/A | N/A | 11377831 | |||
| 415592 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-09-14 08:28 | 2026-09-15 06:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Cert provided - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-09/14/2026 Open-Trust Documents are missing from file - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-09/14/2026 |
Resolved-Trust Cert provided - Due Diligence Vendor-09/15/2026 |
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 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 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 - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% 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 0.03 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11356080 | |||
| 785781 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-09-14 06:04 | 2026-09-16 06:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. - Seller-09/15/2026 Open-Purchase Contract Is Missing Loan file is missing the purchase contract and all applicable addendums for subject property xxx - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. - Seller-09/15/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.03 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 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 0.17 |
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 | 11354067 | |||
| 537709 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-09-14 04:46 | 2026-09-16 06:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 0.75 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/16/2026 Resolved-Thanks so much, have forwarded them on and updated this file. Sorry for the delay. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. - Seller-09/15/2026 Counter-What are the date of these new guidelines? Could you provide a full copy so we can forward to transaction team and added to updated guidelines. Thanks - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 70% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/14/2026 Open-Audited Reserves of 0.75 are less than Guideline Required Reserves of 6 Audited Reserves of 3.06 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. - Seller-09/15/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 70% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/14/2026 |
Resolved-Audited Reserves of 0.75 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/16/2026 Resolved-Thanks so much, have forwarded them on and updated this file. Sorry for the delay. - Due Diligence Vendor-09/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 49% 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 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11352274 | |||
| 537709 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-09-14 04:35 | 2026-09-15 07:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved- - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/14/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. - Seller-09/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 49% 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 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11352201 | ||||
| 324009 | 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 | ||||||||||||||||||||
| 657456 | 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 | ||||||||||||||||||||
| 149192 | 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 | ||||||||||||||||||||
| 593588 | 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 | ||||||||||||||||||||
| 202649 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2026-09-15 11:38 | 2026-09-17 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE provided explaining reasons for occupancy differences. - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Please see page 51 in the loan package for the LOE. I also uploaded the LOE. - Seller-09/16/2026 Open-Missing letter of Explanation due to the Loan docs in the File reflect Primary Residence SFR Purchase however the Appraisal reflects a 1007 Rent schedule. Missing Clarification for Occupancy - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Please see page 51 in the loan package for the LOE. I also uploaded the LOE. - Seller-09/16/2026 |
Resolved-LOE provided explaining reasons for occupancy differences. - Due Diligence Vendor-09/17/2026 |
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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.25% 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 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.76 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 | 11391461 | |||
| 403962 | 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 | ||||||||||||||||||||
| 152006 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-09-15 05:11 | 2026-09-17 09:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-xxx property, updated - Due Diligence Vendor-09/17/2026 Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Please note that since loan is from xxx. they do not provide RCE, however we have the insurance agent's email confirming the 100% coverage. - Seller-09/16/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Provide adequate hazard insurance coverage for the subject property xxx Current coverage of xxx is less than the xxx minimum required. Provide an acceptable Replacement Cost Estimator (RCE) or increase coverage to meet GL requirements. Additional conditions may apply upon review. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Please note that since loan is from xxx. they do not provide RCE, however we have the insurance agent's email confirming the 100% coverage. - Seller-09/16/2026 |
Resolved-xxx property, updated - Due Diligence Vendor-09/17/2026 Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11380282 | |||
| 794052 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-15 12:52 | 2026-09-17 10:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated guidelines - Due Diligence Vendor-09/17/2026 Resolved-Audited Reserves of 0.63 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. xxx - Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 70% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/16/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 No assets were provided. Per guidelines 6 months reserves are required. Borrower is short xxx - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. xxx - Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 70% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/16/2026 |
Resolved-Updated guidelines - Due Diligence Vendor-09/17/2026 Resolved-Audited Reserves of 0.63 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 44.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.07% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.6% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
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 | 11393221 | |||
| 214895 | 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 | ||||||||||||||||||||
| 191289 | 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 | ||||||||||||||||||||
| 700043 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-09-15 09:26 | 2026-09-17 10:01 | Resolved | 1 - Information | D | A | Property | Missing Doc | Homeowner's Association Questionnaire is missing | Resolved-FannieMae xxx provided - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/16/2026 Open-Homeowner's Association Questionnaire is missing - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/16/2026 |
Resolved-FannieMae CRM provided - Due Diligence Vendor-09/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.35 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 35.18% Is Less Than The Guideline Maximum Of 49% 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 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
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 | 11387122 | |||
| 700043 | D | A | D | A | A | A | D | A | Closed | FVAL1310 | 2026-09-15 08:17 | 2026-09-17 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-FannieMae xxx provided - Due Diligence Vendor-09/17/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/16/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/16/2026 |
Resolved-FannieMae CRM provided - Due Diligence Vendor-09/17/2026 Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.35 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 35.18% Is Less Than The Guideline Maximum Of 49% 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 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
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 | 11385524 | |||
| 581564 | 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 | ||||||||||||||||||||
| 763780 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-09-15 16:10 | 2026-09-17 10:10 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal provided - Due Diligence Vendor-09/17/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. - Seller-09/16/2026 Open-Appraisal is Missing provide missing appraisal- receipt in file for single family- 1004 but no actual full appraisal provided. - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. - Seller-09/16/2026 |
Resolved-Appraisal provided - Due Diligence Vendor-09/17/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-09/17/2026 |
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 - 13 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 0.22 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.76% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11400849 | |||
| 331349 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-15 20:49 | 2026-09-18 06:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx HOA fees as seen on 1003, other property no HOA fees. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. uploaded HOA confimation and per property profile, property xxx is a single family residence. Therefore no there is no HOA Due - Seller-09/17/2026 Open-For the following below property HOA fees xxx - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. uploaded HOA confimation and per property profile, property xxx is a single family residence. Therefore no there is no HOA Due - Seller-09/17/2026 |
Resolved-xxx HOA fees as seen on 1003, other property no HOA fees. - Due Diligence Vendor-09/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.05 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 0.23 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years |
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 | 11406592 | |||
| 331349 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-09-15 18:47 | 2026-09-18 06:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-updated - Due Diligence Vendor-09/18/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/17/2026 Open-Asset 3 Missing Please provide xxx bank statement iao xxx xxx. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. - Seller-09/17/2026 |
Resolved-updated - Due Diligence Vendor-09/18/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-09/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.05 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.71% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 0.23 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years |
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 | 11405328 | |||
| 973238 | 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 | ||||||||||||||||||||
| 282467 | 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 | ||||||||||||||||||||
| 359934 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-09-17 01:48 | 2026-09-21 14:38 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received LOE and FSS. Acceptable xxx Per Diem Disclosure in the original file. - Due Diligence Vendor-09/21/2026 Ready for Review-Document Uploaded. Uploaded final settlement statement - Seller-09/18/2026 Counter-**PCCD in the original file indicates Funding/disbursement was on xxx In additional to the email provided, lender to provide a title company certified copy of the Final Settlement Statement in support of the true and correct disbursement date. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. Uploaded escrow confirmation - Seller-09/17/2026 Open-This loan failed the per diem interest amount test. (xxx. Civil Code § 2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. ******Disbursement date of xxx. Section F per diem interest (xxx to xxx) exceeds the one-day allowable limit by xxx. To comply with xxx Civil Code § 2948.5, a disclosure confirming that the borrower affirmatively requested, and the lender agreed, for disbursement to occur on a Monday or on the day immediately following a bank holiday has not been provided. - Due Diligence Vendor-09/17/2026 Open-This loan failed the per diem interest amount test. (xxx. Civil Code § 2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-09/17/2026 Open-This loan failed the per diem interest amount test. (xxx. Civil Code § xxx)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-09/17/2026 Open-This loan failed the per diem interest amount test. (xxx. Civil Code § 2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-09/17/2026 Open-This loan failed the per diem interest amount test. (xxx. Civil Code § 2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. Uploaded final settlement statement - Seller-09/18/2026 Ready for Review-Document Uploaded. Uploaded escrow confirmation - Seller-09/17/2026 |
Resolved-***Received LOE and FSS. Acceptable xxx Per Diem Disclosure in the original file. - Due Diligence Vendor-09/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 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 - 14 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 - 14 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.95% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | Cash Out - Other | N/A | N/A | 11436472 | |||
| 227475 | D | B | D | B | A | A | A | A | Closed | FCRE3874 | 2026-09-16 08:50 | 2026-09-16 16:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Lender provided exception- Rural approved with 0.5 pricing LLPA - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Please note that we have a management exception: - Rural approved with 0.5 pricing LLPA - 1. LTV - 2. Value stable - Seller-09/16/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. Please note that we have a management exception: - Rural approved with 0.5 pricing LLPA - 1. LTV - 2. Value stable - Seller-09/16/2026 |
Waived-Lender provided exception- Rural approved with 0.5 pricing LLPA - Due Diligence Vendor-09/16/2026 |
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 - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.58 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |
1. LTV - 2. Value stable |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 11414463 | ||
| 227475 | D | B | D | B | A | A | A | A | Closed | FCRE5782 | 2026-09-16 09:11 | 2026-09-16 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided docs - Due Diligence Vendor-09/16/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded credit report - Seller-09/16/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. Uploaded credit report - Seller-09/16/2026 |
Resolved-Lender provided docs - Due Diligence Vendor-09/16/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/16/2026 |
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 - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.58 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 11414915 | |||
| 888402 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-09-17 11:58 | 2026-09-18 07:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved- - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/18/2026 Open-xxx Provide a credit supplement evidencing the account is paid in full prior to closing. Additional conditions may apply upon review. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. - Seller-09/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 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 - 13 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
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 | 11448859 | ||||
| 888402 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-09-17 10:48 | 2026-09-18 07:09 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/18/2026 Open-Income and Employment Do Not Meet Guidelines Tax Preparer LOE – B1: Provide a dated Licensed Tax Preparer letter confirming B1 has received 1099 income for at least 2 years, per GL Option II – 1-Year 1099. Current LOE is undated. Additional conditions may apply upon review. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. - Seller-09/18/2026 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-09/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 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 - 13 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
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 | 11445849 | |||
| 888402 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-09-17 13:50 | 2026-09-18 07:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income adjusted back to lender's xxx amount. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/18/2026 Open-Audited DTI of 54.77% exceeds Guideline DTI of 50% DTI increased from 49.07% to 54.77% due to YTD does not support the income of xxx used from the 1099. Bank statements reflect usable deposits of xxx over a period of 7.9 months for a monthly amount of xxx. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. - Seller-09/18/2026 |
Resolved-Income adjusted back to lender's xxx amount. - Due Diligence Vendor-09/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 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 - 13 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
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 | 11452769 | |||
| 888402 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2026-09-17 10:07 | 2026-09-18 06:52 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-09/18/2026 Resolved-Title updated - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/18/2026 Open-Property Title Issue Title/NOD: Provide written confirmation from the Title Agency that the Notice of Default/foreclosure-related item recorded xxx in favor of xxx was filed in error and will not appear as an exception on the Final Title Policy. Additional conditions may apply upon review. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. - Seller-09/18/2026 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-09/18/2026 Resolved-Title updated - Due Diligence Vendor-09/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 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 - 13 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
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 | 11444513 | |||
| 335820 | 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 | ||||||||||||||||||||
| 598016 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 159448 | 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 | ||||||||||||||||||||
| 433118 | 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 | ||||||||||||||||||||
| 774677 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-16 18:25 | 2026-09-18 05:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.18 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/18/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. For Purchase reserves are waived if: ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Foreign Nationals do not qualify on purchase transactions - Seller-09/17/2026 Open-Audited Reserves of 4.18 are less than Guideline Required Reserves of 6 Per guideline matrix dated xxx 6 months reserves required for investment purchase. Verified asset xxx, cash to close required xxx, reserves required xxx. Borrower short xxx in reserves. - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. For Purchase reserves are waived if: ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Foreign Nationals do not qualify on purchase transactions - Seller-09/17/2026 |
Resolved-Audited Reserves of 4.18 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/18/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.01% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11432808 | |||
| 834020 | 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 | ||||||||||||||||||||
| 612463 | 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 | ||||||||||||||||||||
| 738278 | D | A | D | A | A | A | A | A | Closed | FCRE2371 | 2026-09-17 07:20 | 2026-09-28 05:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-updated 1008 provided - Due Diligence Vendor-09/28/2026 Ready for Review-Document Uploaded. Please see updated 1008. - Seller-09/25/2026 Counter-Still need 1008 to show higher DTI, thanks - Due Diligence Vendor-09/25/2026 Ready for Review-Document Uploaded. Please see revised Final 1003. - Seller-09/24/2026 Counter-Please provide updated 1003 and 1008 showing the unsold departing residence. - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Please see uploaded LOE & PP. - Seller-09/21/2026 Open-Missing Final hud for Departing residence xxx exclude from DTI. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. Please see updated 1008. - Seller-09/25/2026 Ready for Review-Document Uploaded. Please see revised Final 1003. - Seller-09/24/2026 Ready for Review-Document Uploaded. Please see uploaded LOE & PP. - Seller-09/21/2026 |
Resolved-updated 1008 provided - Due Diligence Vendor-09/28/2026 |
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 0.14 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.3% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.72 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 | 11440895 | |||
| 356900 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-09-17 10:50 | 2026-09-21 07:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/21/2026 Ready for Review-Document Uploaded. Uploaded flood cert - Seller-09/18/2026 Open-Missing Flood Certificate - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. Uploaded flood cert - Seller-09/18/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11445907 | |||
| 862186 | 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 | ||||||||||||||||||||
| 604956 | 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 | ||||||||||||||||||||
| 721995 | 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 | ||||||||||||||||||||
| 949638 | 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 | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 369216 | 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 | ||||||||||||||||||||
| 681111 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-09-18 08:04 | 2026-09-22 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. - Seller-09/21/2026 Open-Missing Third Party Fraud Report. - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. - Seller-09/21/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11469863 | |||
| 574624 | 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 | ||||||||||||||||||||
| 407622 | 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 | ||||||||||||||||||||
| 425798 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-17 15:18 | 2026-09-22 09:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.32 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/22/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. 09/21 - Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Purchase reserves are waived if: ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Foreign Nationals do not qualify on purchase transactions For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/21/2026 Open-Audited Reserves of 2.32 are less than Guideline Required Reserves of 6 Audited Reserves of 2.27 are less than Guideline Required Reserves of 6. Borrower has xxx in reserves & is short xxx in reserves. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. xxx - Rebuttal/Comment: Please refer to guideline as no Reserves required on Purchase and Rate/Term transactions (All Occupancy Types) if the following requirements are met: For Purchase reserves are waived if: ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Foreign Nationals do not qualify on purchase transactions For Rate/Term reserves are waived if : ✓ LTV/CLTV ≤ 75% ✓ 0x30x12 on all mortgages. VOR required for Rent. ✓ Living Rent Free allowed with 65% max LTV ✓ Payment on new loan is decreasing ✓ Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, xxx FICO score will be required and no mortgage lates ✓ Foreign Nationals qualify if: LTV/CLTV ≤ 70%; current mortgage seasoned for at least 4 months; and 0x30x12 MTG rating - Seller-09/21/2026 |
Resolved-Audited Reserves of 2.32 are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-09/22/2026 Resolved-Updated guidelines - Due Diligence Vendor-09/22/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% Is Less Than The Guideline Maximum Of 49% 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 | 11455414 | |||
| 705599 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-09-18 15:50 | 2026-09-21 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-09/21/2026 Ready for Review-Document Uploaded. Uploaded Credit Supplement with updated Mortgage rating. - Seller-09/18/2026 Open-Missing mortgage statements for the following properties: xxxt - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Uploaded Credit Supplement with updated Mortgage rating. - Seller-09/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.88 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.91% 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 - 19 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19 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 0.22 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11483118 | ||||
| 509252 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-09-18 01:41 | 2026-09-21 07:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided updated PCCD - Due Diligence Vendor-09/21/2026 Ready for Review-Document Uploaded. Please note that as long as effective date is on or before the funding date we are okay, our file funded on xxx and disbursement date was on xxx. - Seller-09/18/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Please note that as long as effective date is on or before the funding date we are okay, our file funded on xxx and disbursement date was on xxx. - Seller-09/18/2026 |
Resolved-Lender provided updated PCCD - Due Diligence Vendor-09/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.63 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11463240 | |||
| 360610 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 315448 | 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 | ||||||||||||||||||||
| 404260 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-09-18 14:57 | 2026-09-22 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Uploaded ICD - Seller-09/21/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Uploaded ICD - Seller-09/21/2026 |
Resolved-Received ICD - Due Diligence Vendor-09/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.84% Is Less Than The Guideline Maximum Of 49% 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 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years |
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 | 11481959 | |||
| 958024 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-18 01:58 | 2026-09-22 10:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Please disregard first comment & see below: Required Assets: xxx x 6 = xxx xxx Verified Assets: xxxxxx Funds to Close: xxx Uploaded PCCD - Seller-09/22/2026 Ready for Review-Document Uploaded. Note that we have enough reserves. Required assets xxx Verified Assets xxx xxx. Funds to close of xxx. Uploaded PCCD. - Seller-09/22/2026 Open-Audited Reserves of 4.52 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Please disregard first comment & see below: Required Assets: xxx x 6 = xxx xxx Verified Assets: xxx Funds to Close: xxx Uploaded PCCD - Seller-09/22/2026 Ready for Review-Document Uploaded. Note that we have enough reserves. Required assets xxx Verified Assets xxx xxx xxx. Funds to close of xxx Uploaded PCCD. - Seller-09/22/2026 |
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 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 0.04 |
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 | 11463352 | ||||
| 336275 | 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 | ||||||||||||||||||||
| 255096 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-21 10:58 | 2026-09-24 07:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.3 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/24/2026 Ready for Review-Document Uploaded. Uploaded updated 1003 & 1008 - Seller-09/23/2026 Counter-Please update 1003/1008 to include xxx previously not included in asset so that sufficient assets and reserves shown. - Due Diligence Vendor-09/22/2026 Ready for Review- Total Verified Assets - xxx xxx - xxx xxx - xxx xxx - xxx xxx - xxx xxx - xxx xxx - xxx Total Required Assets PITI xxx * 6 = xxx + CTC xxx = xxx - Seller-09/22/2026 Open-Audited Reserves of 4.65 are less than Guideline Required Reserves of 6 Audited Reserves of 2.1 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-09/21/2026 |
Ready for Review-Document Uploaded. Uploaded updated 1003 & 1008 - Seller-09/23/2026 Ready for Review- Total Verified Assets - xxx xxx- xxx xxx - xxx xxx - xxx xxx - xxx xxx - xxx xxx - xxx Total Required Assets PITI - xxx* 6 = xxx + CTC xxx = xxx - Seller-09/22/2026 |
Resolved-Audited Reserves of 6.3 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.84% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |
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 | 11499253 | |||
| 883089 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-21 09:52 | 2026-09-23 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-MH home, updated information provided. - Due Diligence Vendor-09/23/2026 Ready for Review-Document Uploaded. Please note that the property tax used is as per in the property profile (please see page 2 on the uploaded PP). - Seller-09/23/2026 Open-Provide tax certificate for the REO property located at the xxx. However property profiles is available but its not able fix the tax payment. - Due Diligence Vendor-09/21/2026 |
Ready for Review-Document Uploaded. Please note that the property tax used is as per in the property profile (please see page 2 on the uploaded PP). - Seller-09/23/2026 |
Resolved-xxx home, updated information provided. - Due Diligence Vendor-09/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.35% Is Less Than The Guideline Maximum Of 49% 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 - 5.75 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 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 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.09 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 | 11497179 | |||
| 908094 | 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 | ||||||||||||||||||||
| 447436 | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2026-09-21 07:54 | 2026-09-22 16:05 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Updated with PCCD showing xxx disbursement - Due Diligence Vendor-09/22/2026 Ready for Review-The loan funded on xxx, which coincides with the Hazard Insurance effective date of xxx. Therefore, hazard insurance was in effect on the loan funding date - Seller-09/22/2026 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-09/21/2026 |
Ready for Review-The loan funded on xxx, which coincides with the Hazard Insurance effective date of xxx. Therefore, hazard insurance was in effect on the loan funding date - Seller-09/22/2026 |
Resolved-Updated with PCCD showing xxx disbursement - Due Diligence Vendor-09/22/2026 |
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 - 22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 - 22 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 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.54 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 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 11494808 | ||||
| 222585 | D | B | D | B | A | A | A | A | Closed | FCRE1198 | 2026-09-21 16:28 | 2026-09-23 09:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender exception for short reserves. - Due Diligence Vendor-09/23/2026 Ready for Review-Document Uploaded. - Seller-09/23/2026 Open-Audited Reserves of 2.88 are less than Guideline Required Reserves of 6 Total Liquid Assets Available For Close xxx Cash Required from Borrower (Negative To Borrower) xxx Total Qualified Assets for Reserves Post Close xxx Per guidelines 6 mos PITIA = xxx Total Reserve Amount Shortage xxx - Due Diligence Vendor-09/21/2026 |
Ready for Review-Document Uploaded. - Seller-09/23/2026 |
Waived-Lender exception for short reserves. - Due Diligence Vendor-09/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.72% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
Low DTI Good credit score No late history |
xxx | 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 | 11508542 | ||
| 222585 | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2026-09-21 04:10 | 2026-09-23 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/23/2026 Ready for Review-Document Uploaded. - Seller-09/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/21/2026 |
Ready for Review-Document Uploaded. - Seller-09/23/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.72% Is Less Than The Guideline Maximum Of 49% 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 | 11490547 | |||
| 852416 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 674859 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-24 21:29 | 2026-09-29 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-09/29/2026 Ready for Review-Document Uploaded. Please see the uploaded Property Profile Tax: xxx * 1.25% / 12 = xxx Insurance: xxx / 12 = xxx T&I: xxx + xxx = xxx - Seller-09/28/2026 Open-Provide proof of missing property cost monthly of xxx a month per Final 1003 for other REO property located at xxx - Due Diligence Vendor-09/25/2026 |
Ready for Review-Document Uploaded. Please see the uploaded Property Profile Tax: xxx * 1.25% / 12 = xxx Insurance: xxx / 12 = xxx T&I: xxx + xxx = xxx - Seller-09/28/2026 |
Resolved-Lender provided additional information. - Due Diligence Vendor-09/29/2026 |
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 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 |
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 | 11594592 | |||
| 674859 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-09-24 21:25 | 2026-09-29 09:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-sufficient assets after adding back cash on PCCD - Due Diligence Vendor-09/29/2026 Ready for Review-Total Verified Assets -xxx VOD = xxx Gift = xxx Total Required Assets PITI - xxx * 6 = xxx + CTC xxx = xxx - Seller-09/28/2026 Open-Audited Reserves of 5.98 are less than Guideline Required Reserves of 6 Provide proof of funds equivalent to .02 months of reserves or xxx as funds short to close and no approved lender exception in file. Qualifying Total Reserves Number of Months in file is 5.98 = xxx and 6 months total is required= xxx - Due Diligence Vendor-09/25/2026 |
Ready for Review-Total Verified Assets -xxx VOD = xxx Gift = xxx Total Required Assets PITI - xxx* 6 = xxx + CTC xxx= xxx - Seller-09/28/2026 |
Resolved-sufficient assets after adding back cash on PCCD - Due Diligence Vendor-09/29/2026 |
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 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 |
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 | 11594585 | ||||
| 621175 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2026-09-25 09:33 | 2026-09-30 09:48 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence Vendor-09/30/2026 Ready for Review-Document Uploaded. Uploaded CDA and invoice - Seller-09/29/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.1) Loan file contains CU with score of 3.1 and LCA with a score of 5. Per guidelines dated xxx a CDA is required if both scores are greater than 2.5. - Due Diligence Vendor-09/25/2026 |
Ready for Review-Document Uploaded. Uploaded CDA and invoice - Seller-09/29/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 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 39.94% 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 - 6 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 11600914 | ||||
| 300839 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-28 20:43 | 2026-10-01 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/01/2026 Ready for Review-Document Uploaded. Please note that xxxis a SFR and doesn't have HOA, also I have uploaded property profile with correct HOI of REO - Seller-09/30/2026 Counter-still need HOI and HOA for xxx - Due Diligence Vendor-09/30/2026 Ready for Review-Document Uploaded. Uploaded property profile of REO - Seller-09/29/2026 Open-REO/Primary Residence – xxx: Provide proof of B1’s current HOI and HOA dues, if applicable, for xxx. - Due Diligence Vendor-09/29/2026 |
Ready for Review-Document Uploaded. Please note that xxx is a SFR and doesn't have HOA, also I have uploaded property profile with correct HOI of REO - Seller-09/30/2026 Ready for Review-Document Uploaded. Uploaded property profile of REO - Seller-09/29/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 49% 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 - 14 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 - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11638903 | ||||
| 300839 | D | A | D | A | A | A | A | A | Closed | FCRE9163 | 2026-09-28 20:42 | 2026-09-30 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved- - Due Diligence Vendor-09/30/2026 Ready for Review-Document Uploaded. Uploaded credit supplement - Seller-09/30/2026 Open-Mortgage History: Provide an updated credit supplement reflecting the complete mortgage payment history. Current supplement reflects only 1 month reviewed, although the mortgage account has been open since xxx. - Due Diligence Vendor-09/29/2026 |
Ready for Review-Document Uploaded. Uploaded credit supplement - Seller-09/30/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 49% 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 - 14 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 - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11638894 | ||||
| 300839 | D | A | D | A | A | A | A | A | Closed | FCRE1194 | 2026-09-28 20:14 | 2026-09-28 22:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 76.04% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/29/2026 Open-Audited LTV of 76.04% exceeds Guideline LTV of 75% Investment Property – LTV: Audited LTV of 76.04% exceeds the maximum 75% LTV permitted per GL for Investment Properties. Reduce LTV to ≤75% or provide an approved exception. - Due Diligence Vendor-09/29/2026 |
Resolved-Audited LTV of 76.04% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/29/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 49% 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 - 14 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 - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11638708 | |||||
| 477386 | 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 | ||||||||||||||||||||
| 409022 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 861945 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 120416 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-09-29 10:38 | 2026-10-01 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/01/2026 Ready for Review-Document Uploaded. Please note that REO xxx is a single family residence and doesn't have HOA. ( Uploaded zillow snip ) - Seller-09/30/2026 Open-REO – xxx / xxx: Provide a copy of the current HOA statement/documentation confirming the applicable HOA dues for the property. - Due Diligence Vendor-09/29/2026 |
Ready for Review-Document Uploaded. Please note that REO xxx is a single family residence and doesn't have HOA. ( Uploaded xxx snip ) - Seller-09/30/2026 |
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 - 11 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 - 11 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.48 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 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 11647988 | ||||
| 748758 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-09-29 09:25 | 2026-10-01 09:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV - Due Diligence Vendor-10/01/2026 Ready for Review-Document Uploaded. Please see uploaded management exception. Thank you. - Seller-09/30/2026 Open-Audited LTV of 70% exceeds Guideline LTV of 65%. Exception missing - Due Diligence Vendor-09/29/2026 |
Ready for Review-Document Uploaded. Please see uploaded management exception. Thank you. - Seller-09/30/2026 |
Waived-Lender exception for LTV - Due Diligence Vendor-10/01/2026 |
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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
5+ years employment Reserves over 14 months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 11646078 | ||
| 698322 | 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 | ||||||||||||||||||||
| 239438 | 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 | ||||||||||||||||||||
| 240393 | 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 | ||||||||||||||||||||
| 739274 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 629600 | 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 | ||||||||||||||||||||
| 423338 | 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 | ||||||||||||||||||||
| 620120 | 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 | ||||||||||||||||||||
| 926695 | 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 | ||||||||||||||||||||
| 314445 | 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 | ||||||||||||||||||||
| 152577 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 389465 | 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 | ||||||||||||||||||||
| 195732 | 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 | ||||||||||||||||||||
| 436565 | 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 | ||||||||||||||||||||
| 567965 | 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 | ||||||||||||||||||||
| 819601 | 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 | ||||||||||||||||||||
| 828985 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-10-05 08:12 | 2026-10-08 06:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception for LTV due to FICO score - Due Diligence Vendor-10/08/2026 Ready for Review-Document Uploaded. - Seller-10/07/2026 Open-Audited LTV of 85% exceeds Guideline LTV of 80% - Due Diligence Vendor-10/05/2026 |
Ready for Review-Document Uploaded. - Seller-10/07/2026 |
Waived-Lender exception for LTV due to FICO score - Due Diligence Vendor-10/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.83 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 39.47% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |
DTI | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 11728319 | ||
| 381317 | 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 | ||||||||||||||||||||
| 235877 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-10-06 04:13 | 2026-10-07 09:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/07/2026 Resolved-FCD provided - Due Diligence Vendor-10/07/2026 Ready for Review-Document Uploaded. Please see the attached Final CD for the borrower's concurrent cash-out refinance transaction. The net cash proceeds from the refinance are being used as an additional asset source for the purchase transaction. - Seller-10/06/2026 Open-Asset 2 Missing - Due Diligence Vendor-10/06/2026 |
Ready for Review-Document Uploaded. Please see the attached Final CD for the borrower's concurrent cash-out refinance transaction. The net cash proceeds from the refinance are being used as an additional asset source for the purchase transaction. - Seller-10/06/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/07/2026 Resolved-FCD provided - Due Diligence Vendor-10/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11747790 | |||
| 235877 | D | A | D | A | A | A | A | A | Closed | FCRE1480 | 2026-10-06 11:33 | 2026-10-07 09:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 Ready for Review-Document Uploaded. Please see the attached Final CD for the borrower's concurrent cash-out refinance transaction. The net cash proceeds from the refinance are being used as an additional asset source for the purchase transaction. - Seller-10/06/2026 Open-Asset 2 Does Not Meet Guideline Requirements Proceeds from Real Estate - No Documentation has been provided to confirm amount to be sent and eligibility - Due Diligence Vendor-10/06/2026 |
Ready for Review-Document Uploaded. Please see the attached Final CD for the borrower's concurrent cash-out refinance transaction. The net cash proceeds from the refinance are being used as an additional asset source for the purchase transaction. - Seller-10/06/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11755579 | |||
| 235877 | D | A | D | A | A | A | A | A | Closed | FCRE1481 | 2026-10-06 11:33 | 2026-10-07 09:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 Ready for Review-Document Uploaded. Uploaded Gift Letter - Seller-10/06/2026 Open-Asset 3 Does Not Meet Guideline Requirements Gift Letters from Donor to Borrower has not been provided to verify the amount of 70,000 - Due Diligence Vendor-10/06/2026 |
Ready for Review-Document Uploaded. Uploaded Gift Letter - Seller-10/06/2026 |
Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11755580 | |||
| 235877 | D | A | D | A | A | A | A | A | Closed | FCRE1482 | 2026-10-06 11:33 | 2026-10-07 09:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 Ready for Review-Document Uploaded. Uploaded Gift Letter - Seller-10/06/2026 Open-Asset 4 Does Not Meet Guideline Requirements Gift Letters from Donor to Borrower has not been provided to verify the amount of xxx - Due Diligence Vendor-10/06/2026 |
Ready for Review-Document Uploaded. Uploaded Gift Letter - Seller-10/06/2026 |
Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 11755581 | |||
| 999991 | 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 |