Exhibit 99.03 - Schedule 3
| 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 |
| 2179968 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2199559 | 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 | ||||||||||||||||||||
| 2194174 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-07-16 07:01 | 2026-07-21 19:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. - Buyer-07/20/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require - Refresher Credit: Required within 10 days prior to the Consummation date. (This requirement may be waived if the original/full credit report is dated within 30 days of consummation.) the Original credit report was not dated within 30 days and a gap/refresher report was not provided. - Due Diligence Vendor-07/16/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.26% 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 9.29 Are Greater Than The Guideline Minimum Of 3 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 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 | XXXX | ||||
| 2194173 | 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 | ||||||||||||||||||||
| 2204770 | D | B | D | B | A | A | A | A | Closed | XXXXX | 2026-07-21 06:48 | 2026-07-29 08:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Stamped CTC Final HUD/SS/Alta provided - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Seller-07/28/2026 Open-Loan file did not contain a final closing disclosure/ALTA/Hud-1 or similar. File only contained an estimated settlement statement that appears to have incorrect closing dates listed. Final closing figures could not be determined. - Due Diligence Vendor-07/21/2026 |
Ready for Review-Document Uploaded. - Seller-07/28/2026 |
Resolved-Stamped CTC Final HUD/SS/Alta provided - Due Diligence Vendor-07/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 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 - 23.10 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.1% 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 - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| 2204770 | D | B | D | B | A | A | A | A | Closed | XXXXX | 2026-07-21 09:59 | 2026-07-29 08:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Exception granted with supporting comp factors: ALLOWING PROPERTY WITH RESIDENTIAL ZONING AND AGRICULTURAL OVERLAY. THE OVERLAY ALLOWS LIMITED AGRICULTURAL USES, INCLUDING SMALL-SCALE CROP CULTIVIATION AND ANIMAL KEEPING - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Seller-07/28/2026 Open-ALLOWING PROPERTY WITH RESIDENTIAL ZONING AND AGRICULTURAL OVERLAY. THE OVERLAY ALLOWS LIMITED AGRICULTURAL USES, INCLUDING SMALL-SCALE CROP CULTIVATION AND ANIMAL KEEPING. - Due Diligence Vendor-07/21/2026 |
Ready for Review-Document Uploaded. - Seller-07/28/2026 |
Waived-Exception granted with supporting comp factors: ALLOWING PROPERTY WITH RESIDENTIAL ZONING AND AGRICULTURAL OVERLAY. THE OVERLAY ALLOWS LIMITED AGRICULTURAL USES, INCLUDING SMALL-SCALE CROP CULTIVIATION AND ANIMAL KEEPING - Due Diligence Vendor-07/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 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 - 23.10 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.1% 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 - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
DTI OF 23.691% (MAX 50%) - FICO SCORE OF xxx (MIN 640) - C3 RATING - STABLE MARKET - MARKETING TIME UNDER 3 MONTHS - 23 YEARS OF BUSINESS EXISTENCE |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||
| 2204770 | D | B | D | B | A | A | A | A | Closed | XXXXX | 2026-07-20 08:56 | 2026-07-21 09:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-USING APPRAISED VALUE WITH ONLY 5 MONTHS SEASONING. BORROWER ACQUIRED PROPERTY IN xxx - Due Diligence Vendor-07/21/2026 Open-USING APPRAISED VALUE WITH ONLY 5 MONTHS SEASONING. BORROWER ACQUIRED PROPERTY IN xxx. - Due Diligence Vendor-07/21/2026 |
Waived-USING APPRAISED VALUE WITH ONLY 5 MONTHS SEASONING. BORROWER ACQUIRED PROPERTY IN xxx- Due Diligence Vendor-07/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 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 - 23.10 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.1% 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 - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Comp Factors; - DTI OF 23.691% (MAX 50%) - FICO SCORE OF 754 (MIN 640) - C3 RATING - STABLE MARKET - MARKETING TIME UNDER 3 MONTHS - 23 YEARS OF BUSINESS EXISTENCE |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | XXXX | ||||
| 2200792 | B | A | B | A | A | A | A | A | Closed | XXXXX | 2026-07-27 04:58 | 2026-07-29 07:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Buyer-07/28/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-07/27/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-07/29/2026 |
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 640 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | ||||
| 2206751 | 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 | ||||||||||||||||||||
| 2200790 | 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 | ||||||||||||||||||||
| 2196819 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-07-29 03:33 | 2026-08-03 11:33 | 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-08/03/2026 Ready for Review-No Verbal is needed. Please refer to the Business License, Business License Print out and Articles of Inc in the file - Seller-07/31/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/29/2026 |
Ready for Review-No Verbal is needed. Please refer to the Business License, Business License Print out and Articles of Inc in the file - Seller-07/31/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.08% 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 0.19 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 - 16.22 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 - 40.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.50 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 | XXXX | ||||
| 2196819 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-07-29 03:33 | 2026-08-03 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/03/2026 Ready for Review-Document Uploaded. Please send the attached Income worksheets 50% Expense Factor, to the Investor and the below guideline – CPA letter is not required. - Seller-07/31/2026 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. Please send the attached Income worksheets 50% Expense Factor, to the Investor and the below guideline – CPA letter is not required. - Seller-07/31/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.08% 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 0.19 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 - 16.22 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 - 40.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.50 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 | XXXX | |||
| 2196819 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-07-29 00:38 | 2026-08-03 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Cert of Trust provided - Due Diligence Vendor-08/03/2026 Ready for Review-Document Uploaded. - Seller-07/31/2026 Open-Trust Document Is missing , one document is present but sign is missing - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/31/2026 |
Resolved-Cert of Trust provided - Due Diligence Vendor-08/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.08% 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 0.19 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 - 16.22 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 - 40.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.50 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 | XXXX | |||
| 2207006 | D | A | A | A | A | A | D | A | Closed | XXXXX | 2026-08-05 10:11 | 2026-08-09 09:05 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-08/09/2026 Ready for Review-Document Uploaded. - Seller-08/07/2026 Open- - Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. - Seller-08/07/2026 |
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 - 5.57 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 | XXXX | ||||
| 2206752 | D | A | C | A | D | A | A | A | Closed | XXXXX | 2026-08-03 15:08 | 2026-08-10 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-***Received PCCD - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. PCCD uploaded. - Seller-08/07/2026 Open-******* Seller executed Vesting/Warranty Deed on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date and per diem interest in compliance to seller signing date. - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. PCCD uploaded. - Seller-08/07/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-08/10/2026 |
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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.17% 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 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| 2206752 | D | A | C | A | D | A | A | A | Closed | XXXXX | 2026-08-03 01:01 | 2026-08-10 09:29 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Final settlement stmt and PCCD uploaded - Buyer-08/07/2026 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. ******* Seller executed Vesting/Warranty Deed on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date and per diem interest in compliance to seller signing date. - Due Diligence Vendor-08/03/2026 Open- - Due Diligence Vendor-08/03/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-08/10/2026 |
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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.17% 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 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| 2206752 | D | A | C | A | D | A | A | A | Closed | XXXXX | 2026-08-02 23:02 | 2026-08-09 06:47 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD shows later disbursement date. - Due Diligence Vendor-08/09/2026 Ready for Review-pls see final settlement statement and PCCD. disbursement date was after effective date of HOI. - Buyer-08/07/2026 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx and the disbursement date of xxx. - Due Diligence Vendor-08/03/2026 |
Resolved-PCCD shows later disbursement date. - Due Diligence Vendor-08/09/2026 |
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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.17% 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 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 80% 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 | XXXX | |||||
| 2206752 | D | A | C | A | D | A | A | A | Closed | XXXXX | 2026-08-02 22:37 | 2026-08-07 09:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. - Seller-08/06/2026 Open-The Initial 1003 is Missing. - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. - Seller-08/06/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/07/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.17% 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 640 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| 2200789 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2201822 | 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 | ||||||||||||||||||||
| 2200791 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2201820 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-10 00:56 | 2026-08-12 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - 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 - 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 - 18 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 - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201830 | C | A | C | A | C | A | A | A | Closed | XXXXX | 2026-08-12 14:08 | 2026-08-21 07:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.04% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/21/2026 Resolved-Lender provided documentation showing Core product with higher DTI guidelines locked by borrower. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see attached - Seller-08/19/2026 Counter-Please send a rate lock, loan approval or some other doc showing the Core Non-QM product. Nothing found in file to indicate product used so more conservation guidelines used (Select Non-QM). Thanks - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Please see attached - Condition invalid-- Loan locked on xxx product which allows for up to a 50% DTI (can also go up to 55%). Uploaded xxx with Core guidelines to the xxx. - Seller-08/18/2026 Open-Audited DTI of 47.04% exceeds Guideline DTI of 45% The program max is DTI 45% and there is no exception in the file. The lender 1008 shows that they approved the loan at 46.851%. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-08/19/2026 Ready for Review-Document Uploaded. Please see attached - Condition invalid-- Loan locked on xxx product which allows for up to a 50% DTI (can also go up to 55%). Uploaded xxx with Core guidelines to the xxx. - Seller-08/18/2026 |
Resolved-Audited DTI of 47.04% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/21/2026 Resolved-Lender provided documentation showing Core product with higher DTI guidelines locked by borrower. - 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 0.05 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 - 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 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 | 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 | XXXX | |||
| 2201830 | C | A | C | A | C | A | A | A | Closed | XXXXX | 2026-08-13 08:34 | 2026-08-17 12:17 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-***Received corrected PCCD - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. Please see attached T/Y - Seller-08/17/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ****Section B has the Tax Service fee paid to the Lender. Fees paid to the Lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the Lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. Please see attached T/Y - Seller-08/17/2026 |
Resolved-***Received corrected PCCD - 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 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 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 | 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 | XXXX | |||
| 2201827 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-10 04:21 | 2026-08-14 08:55 | 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-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Borrower 1 Credit Report is not missing. - 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 - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.87% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201827 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-10 06:42 | 2026-08-14 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/14/2026 Resolved- - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. screenshot of rent payments - Seller-08/13/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. screenshot of rent payments - Seller-08/13/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - 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 - 6 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.87% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2204778 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-11 17:29 | 2026-08-31 11:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-LOE provides the date lender recv knowledge of the UW buyout request from Borrower, Lock shows pricing impact. COC event and timing established. Thank you - Due Diligence Vendor-08/31/2026 Resolved- - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Counter-The consumer-requested removal of the underwriting fee does not, by itself, authorize the creditor to reduce a separately disclosed lender credit. Under the xxx official interpretation of § 1026.19(e)(3)(iv), the creditor may rely on a consumer-requested revision only to the extent the requested change actually affects the particular charge being revised. The creditor therefore must establish that the xxx reduction in the previously disclosed lender credit was itself a direct consequence of the borrower’s requested change in the loan’s pricing—not merely a reallocation of the same xxx underwriting fee, which is not subject to loan pricing, between closing costs and lender credit. The xxx specifically recognizes that lender credits can change when they are interest-rate-dependent under § 1026.19(e)(3)(iv)(D). - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. See attached LOE - Seller-08/26/2026 Counter-**Documents uploaded do not resolve the finding. Lender to confirm if a cure will be provided. - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. - Seller-08/25/2026 Counter-xxx Official Interpretation to Regulation Z, 12 CFR § 1026.19(e)(3)(i), Comment 5 — “Lender Credits” provides an almost identical example. The lender credit cannot be reduced simply because the UW (or any other non-lender credit-related fee) was removed, reduced, or paid POC. The UW fee change is not a valid Change of Circumstance for the reduction of the Lender Credit. 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-08/25/2026 Ready for Review-The borrower decided to buyout the UW fee on xxx and the revised CD as provided on xxx - Seller-08/25/2026 Counter-***Received explanation, however the file does not contain a COC in relation to the same. Lender to provide documentation in support of the borrower requested change. - Due Diligence Vendor-08/21/2026 Ready for Review-The borrower decided to buyout the UW fee and therefore there's an adjustment to the lender credit - Seller-08/20/2026 Open-***** The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of removal or reduction. 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-08/11/2026 Open- - Due Diligence Vendor-08/12/2026 Open- - Due Diligence Vendor-08/12/2026 Open- - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 Ready for Review-Document Uploaded. See attached LOE - Seller-08/26/2026 Ready for Review-Document Uploaded. - Seller-08/25/2026 Ready for Review-The borrower decided to buyout the UW fee on xxx and the revised CD as provided on xxx - Seller-08/25/2026 Ready for Review-The borrower decided to buyout the UW fee and therefore there's an adjustment to the lender credit - Seller-08/20/2026 |
Resolved-LOE provides the date lender recv knowledge of the xxx buyout request from Borrower, Lock shows pricing impact. COC event and timing established. Thank you - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.94% 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 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 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 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 | XXXX | |||
| 2204778 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-11 12:43 | 2026-08-21 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Counter-Apologies, we are requesting a worksheet showing the lender's income calculations. (8.1.1 page 44) Thanks - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Lock confirm showing the loan is a Full doc loan not a bank stmt loan. - Seller-08/17/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 Ready for Review-Document Uploaded. Lock confirm showing the loan is a Full doc loan not a bank stmt loan. - Seller-08/17/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.94% 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 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 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 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 | XXXX | |||
| 2204778 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 09:37 | 2026-08-20 07:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Received - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Open-***** Please provide Lock Confirmation or other documentation to validate the APOR date required for testing. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 |
Resolved-Received - Due Diligence Vendor-08/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.94% 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 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 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 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 | XXXX | |||
| 2204778 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-10 15:04 | 2026-08-14 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-Purchase Contract Is Missing Missing a fully executed sales contract with all of it's additional addendums. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.94% 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 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 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 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 | XXXX | |||
| 2201821 | 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 | ||||||||||||||||||||
| 2203826 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-13 08:13 | 2026-08-13 19:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-docs provided - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Buyer-08/13/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-08/13/2026 |
Resolved-docs provided - 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 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 - 7 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| 2207215 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 06:47 | 2026-08-26 16:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Asset 1 Missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 06:47 | 2026-08-26 16:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Asset 2 Missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 05:09 | 2026-08-18 10:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Title Document is missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 05:19 | 2026-08-18 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 05:28 | 2026-08-18 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/18/2026 Resolved- - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Missing Flood Certificate - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 06:19 | 2026-08-18 10:06 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Income 1 Months Income Verified is Missing Borrower qualified income is bank statement but documents are missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 06:19 | 2026-08-18 10:06 | 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-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 13:44 | 2026-08-18 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 06:34 | 2026-08-18 09:47 | 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-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 08:42 | 2026-08-18 09:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 05:43 | 2026-08-18 09:37 | 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-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 14:05 | 2026-08-18 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 04:54 | 2026-08-18 09:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 00:59 | 2026-08-18 07:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosures - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-Initial CD is missing. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 00:58 | 2026-08-18 07:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received missing disclosures - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-Initial LE is missing. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-08/18/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 01:00 | 2026-08-17 16:46 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-SSPL is missing.******Please provide entire initial disclosure package, issued within 3 days or borrower application, for review - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-17 16:38 | 2026-08-17 16:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 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-08/17/2026 Open- - Due Diligence Vendor-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 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. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 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-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 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-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 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-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be xxx, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-13 10:31 | 2026-08-17 16:40 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 Resolved- - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~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 report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2026 Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-08/13/2026 Open- - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-***Received missing disclosures. - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201826 | D | A | D | A | D | A | A | A | Closed | XXXXX | 2026-08-12 11:13 | 2026-08-17 16:22 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Homeownership Counseling Disclosure Is Missing *******Please provide entire initial disclosure package, issued within 3 days or borrower application, for review - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.57% Is Less Than The Guideline Maximum Of 45% 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 | XXXX | |||
| 2201825 | 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 | ||||||||||||||||||||
| 2206780 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2207216 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2211610 | C | B | C | B | A | A | A | A | Closed | XXXXX | 2026-09-03 15:10 | 2026-10-15 11:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Investor Approved Exception with compensating factors for audited DTI of 45.79 exceeds the maximum allowed by Guides of 45%. - Due Diligence Vendor-10/15/2026 Ready for Review-Document Uploaded. ⚠️ CAUTION: External Email This email originated from outside your organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. If this appears suspicious, do not reply — contact IT immediately. xxx – Please see attached exception approval. Can you check to see if I have access to your portal? I’m not sure if I’ve been set up previously. For compensating factors: • xxx qualifying credit score • 26.59 months reserves • Self-employed 20 years xxx xxx Associate xxx - Seller-10/15/2026 Open-The audited DTI of 45.79 exceeds the maximum allowed by Guides of 45%. Please provide an exception. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. ⚠️ CAUTION: External Email This email originated from outside your organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. If this appears suspicious, do not reply — contact IT immediately. Hi xxx – Please see attached exception approval. Can you check to see if I have access to your portal? I’m not sure if I’ve been set up previously. For compensating factors: • xxx qualifying credit score • 26.59 months reserves • Self-employed 20 years xxx xxx Associate xxx - Seller-10/15/2026 |
Waived-Investor Approved Exception with compensating factors for audited DTI of 45.79 exceeds the maximum allowed by Guides of 45%. - Due Diligence Vendor-10/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.59 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 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 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 - 20 Years |
1. Borrower Qualifying Fico at 759 is Qualifying FICO is Greater Than The Guideline Minimum (720) By Twenty (20) or More Points and 2. Borrower reserves are at 26.59 months and are Greater than Guideline Minimum of 6 months; exceeding by 20.59 months 3. Self-employed 20 years successfully |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | XXXX | ||
| 2206753 | D | A | A | A | D | A | A | A | Closed | XXXXX | 2026-08-14 02:46 | 2026-08-18 13:56 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-***Received disclosure - Due Diligence Vendor-08/18/2026 Ready for Review-Note: not able to append comments to the initial 1003 condition, but initial 1003 is also within this initial disclosure package- starting on page 10. - Buyer-08/18/2026 Ready for Review-Document Uploaded. Please see page 25 -28 - Buyer-08/18/2026 Ready for Review-Document Uploaded. - Buyer-08/17/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-08/14/2026 |
Resolved-***Received disclosure - Due Diligence Vendor-08/18/2026 |
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 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% 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 79.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.83% Is Below The Guideline Maximum Of 80% 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 - 14.00 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 | XXXX | ||||
| 2206753 | D | A | A | A | D | A | A | A | Closed | XXXXX | 2026-08-13 22:07 | 2026-08-18 09:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Buyer-08/17/2026 Open-The Initial 1003 is Missing . - Due Diligence Vendor-08/14/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/18/2026 |
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 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.9% 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 79.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.83% Is Below The Guideline Maximum Of 80% 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 - 14.00 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 | XXXX | ||||
| 2206922 | C | A | C | A | A | A | A | A | Closed | XXXXX | 2026-08-17 14:48 | 2026-09-01 08:24 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Expired | Resolved-Changed Asset 5 retirement to 0% usage and still sufficient reserves. - Due Diligence Vendor-09/01/2026 Ready for Review-Only 3 mo PITIA for purchase loans w a credit score over xxx and LTV less 80 is required so we don't need the retirement in order to have enough funds to close and cover the reserves. - Buyer-08/31/2026 Open-Asset 5 Expired - XXXX - Retirement Funds iao xxx - more than 120 days. Dated xxx - Guidelines start assets dated within 120 days. Loan closed xxx - Due Diligence Vendor-08/17/2026 |
Resolved-Changed Asset 5 retirement to 0% usage and still sufficient reserves. - Due Diligence Vendor-09/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 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 At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 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 - 31 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 0.15 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 2201823 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2203828 | 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 | ||||||||||||||||||||
| 2203827 | B | B | B | B | A | A | A | A | Closed | XXXXX | 2026-08-18 08:18 | 2026-08-18 13:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Borrowers LTV is only 54% Borrower has high credit score. No derogatory or late payments. - Due Diligence Vendor-08/18/2026 Open-Borrowers LTV is only 54% Borrower has high credit score. No derogatory or late payments. - Due Diligence Vendor-08/18/2026 |
Waived-Borrowers LTV is only 54% Borrower has high credit score. No derogatory or late payments. - Due Diligence Vendor-08/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 75% 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.47% 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 96.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Comp Factors: - 3 months reserves greater than program requirement - Stellar credit history - Experienced real estate investor - 6 months reserves greater than program requirement - VOR 0x30 in24 months - LTV less than program requirement - No derogatory credit in24 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XXXX | ||||
| 2206768 | 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 | ||||||||||||||||||||
| 2201824 | 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 | ||||||||||||||||||||
| 2201819 | 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 | ||||||||||||||||||||
| 2207008 | C | A | C | A | A | A | A | A | Closed | XXXXX | 2026-08-19 04:49 | 2026-08-21 14:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated guidelines - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see below updated based on the CR in the file. There are no statements in the file with increased balances. Ratios are 44.81% See the attached 1008. - Seller-08/20/2026 Open-Audited DTI of 45.98% exceeds Guideline DTI of 45% DTI variance -New bal. statement in file for xxx - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Please see below updated based on the CR in the file. There are no statements in the file with increased balances. Ratios are 44.81% See the attached 1008. - Seller-08/20/2026 |
Resolved-Updated guidelines - 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 0.03 | 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 | XXXX | |||
| 2211619 | 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 | ||||||||||||||||||||
| 2207208 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-20 01:30 | 2026-08-31 19:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-generally it's preferable to have the CPA letter but the EIN along with bank statements do seem to show 2 years + 100% ownership. - Due Diligence Vendor-08/31/2026 Ready for Review-the EIN that was previously attached EIN shows that xxx is the Sole Member listed up top on the address box. Doesn't this work to show 100% ownership? - Buyer-08/31/2026 Counter-EIN does not show Percentage of ownership. Per Lender guidelines, this is what is required: Verify that the borrower is at least 25% owner of the business by providing one of the following: o CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower’s ownership percentage. - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. She is the sole owner and I have attached the EIN showing that. We shouldn't need the CPA letter with the bank statements and this - Buyer-08/24/2026 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-08/20/2026 |
Resolved-generally it's preferable to have the CPA letter but the EIN along with bank statements do seem to show 2 years + 100% ownership. - Due Diligence Vendor-08/31/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.87% 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 - Validated 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 | XXXX | ||||
| 2204777 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-20 13:06 | 2026-08-26 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-08/26/2026 Ready for Review-This is a detached condo so no review is required - Seller-08/25/2026 Counter-Apologies. We are looking for HOA Condo Questionnaire - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. Can you please provide a SS of the xxx charge for condo questionnaire. Thanks - Seller-08/21/2026 Open-HOA Questionnaire Document status is Missing. Pg 205 shows that xxx was charged for a HOA Condo Questionnaire, but could not locate in the file. - Due Diligence Vendor-08/20/2026 |
Ready for Review-This is a detached condo so no review is required - Seller-08/25/2026 Ready for Review-Document Uploaded. Can you please provide a SS of thexxx charge for condo questionnaire. Thanks - Seller-08/21/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-08/26/2026 |
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 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 - 22 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.96% 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 |
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 | XXXX | |||
| 2204777 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-20 13:32 | 2026-08-25 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/21/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Need a VOR with current pay history for primary residence at xxx for the amount of time lived at this residence in the past 12 months. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/21/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/25/2026 |
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 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 - 22 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.96% 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 |
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 | XXXX | |||
| 2204777 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-20 13:32 | 2026-08-25 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/21/2026 Open-Borrower 1 Gap Credit Report is Missing Missing a GAP report within 10 days of closing. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/21/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 |
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 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 - 22 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.96% 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 |
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 | XXXX | |||
| 2203825 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2206777 | 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 | ||||||||||||||||||||
| 2207009 | 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 | ||||||||||||||||||||
| 2207005 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-21 14:49 | 2026-08-25 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. - Seller-08/24/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 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 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 - 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 0.14 |
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 | XXXX | |||
| 2207005 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-21 14:49 | 2026-08-25 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Borrower 2 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. - Seller-08/24/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 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 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 - 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 0.14 |
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 | XXXX | |||
| 2207005 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-21 11:25 | 2026-08-25 13:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. - Seller-08/24/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 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 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 - 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 0.14 |
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 | XXXX | |||
| 2207005 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-21 17:37 | 2026-08-25 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. - Seller-08/24/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.65 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 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 - 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 0.14 |
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 | XXXX | |||
| 2211622 | D | B | D | B | D | A | A | A | Closed | XXXXX | 2026-08-21 06:48 | 2026-09-04 04:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-EIN provided - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. See the attached EIN for the above loan file - Seller-09/03/2026 Counter-Doesn't xxx shows 2 members? the doc sent says a single member xxx. Thanks - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Counter-We are looking for the tax-ID number given by thexxx, thanks - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Counter-We are still missing your EIN number. Please provide - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN “Missing evidence of the EIN document (IRS). - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. See the attached EIN for the above loan file - Seller-09/03/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 |
Resolved-EIN provided - Due Diligence Vendor-09/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 288.35 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 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||
| 2211622 | D | B | D | B | D | A | A | A | Closed | XXXXX | 2026-08-20 22:04 | 2026-08-26 08:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. - Seller-08/25/2026 Open-The Final 1003 is Incomplete Final 1003 borrower information is incomplete - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. - Seller-08/25/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 288.35 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 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||
| 2211622 | D | B | D | B | D | A | A | A | Closed | XXXXX | 2026-08-20 23:46 | 2026-08-21 01:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan Amount Under Published minimum - Due Diligence Vendor-08/21/2026 |
Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan Amount Under Published minimum - Due Diligence Vendor-08/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 288.35 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 740 By Twenty (20) or More Points |
Strong Credit |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | XXXX | ||||
| 2204776 | 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 | ||||||||||||||||||||
| 2216452 | 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 | ||||||||||||||||||||
| 2204775 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-25 14:26 | 2026-08-27 13:02 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved- - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-xxx business statement for full 12 mos review was missing from upload package - Due Diligence Vendor-08/25/2026 |
Ready for Review-Document Uploaded. - 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 - 18 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.68% 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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.54% Is Less Than The Guideline Maximum Of 45% 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 | 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 | XXXX | ||||
| 2204775 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-25 16:13 | 2026-08-27 12:58 | 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-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-Missing Third Party Fraud Report While no social security number since client is foreign national, guidelines do not state that a fraud report and background check is exempted for xxx. - Due Diligence Vendor-08/25/2026 |
Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Third Party Fraud Report is provided - 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 - 18 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.68% 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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.54% Is Less Than The Guideline Maximum Of 45% 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 | 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 | XXXX | |||
| 2216698 | 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 | ||||||||||||||||||||
| 2216693 | C | A | C | A | A | A | A | A | Closed | XXXXX | 2026-08-26 01:42 | 2026-08-31 18:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-PCCD received - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Buyer-08/29/2026 Ready for Review-Based on Final CD- Borrower 100% of the down payment came from gift funds xxx EMD andxxx. with xxxgoing back to the borrower. In addition, borrower has xxx in xxx. In addition- based on xxx, loan amt less than xxx and LTV =< 75% do not require any reserves. - Buyer-08/29/2026 Open-Audited Reserves of 1.24 are less than Guideline Required Reserves of 3 Reserves of 1.24 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-08/26/2026 |
Resolved-PCCD received - Due Diligence Vendor-08/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.92% 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 0.2 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 640 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 | XXXX | ||||
| 2216695 | 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 | ||||||||||||||||||||
| 2216697 | 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 | ||||||||||||||||||||
| 2216696 | 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 | ||||||||||||||||||||
| 2211626 | 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 | ||||||||||||||||||||
| 2207007 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-08-26 12:50 | 2026-08-27 15:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open-Borrower 1 Gap Credit Report is Missing Per guidelines need a GAP credit report within 10 days of closing. A GAP credit report within 10 days of closing was not located in the file. - Due Diligence Vendor-08/26/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/27/2026 |
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 45% 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 0.02 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 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 | XXXX | |||
| 2210569 | 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 | ||||||||||||||||||||
| 2211628 | 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 | ||||||||||||||||||||
| 2211627 | 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 | ||||||||||||||||||||
| 2211620 | C | A | C | A | A | A | A | A | Closed | XXXXX | 2026-08-31 09:21 | 2026-09-04 03:42 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. - Seller-09/03/2026 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-09/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.04% 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 |
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 | XXXX | |||
| 2211620 | C | A | C | A | A | A | A | A | Closed | XXXXX | 2026-08-31 09:21 | 2026-09-04 03:42 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/04/2026 Resolved- - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. - Seller-09/03/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.04% 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 |
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 | XXXX | |||
| 2211624 | 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 | ||||||||||||||||||||
| 2216694 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-09-01 04:24 | 2026-09-04 04:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Patriot Act Disclosure uploaded - Buyer-09/03/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/01/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - 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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.01 Are Greater Than The Guideline Minimum Of 0 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 | XXXX | ||||
| 2206923 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2210568 | B | B | A | A | B | B | A | A | Closed | XXXXX | 2026-09-01 06:03 | 2026-09-03 15:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Waived-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 Open-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 |
Waived-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.00 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 |
Comp Factors: - 77+ months of reserves - FICO of 764 - DSCR of 1.601 - Experienced investor/homeowner. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XXXX | ||||
| 2206918 | 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 | ||||||||||||||||||||
| 2206919 | B | B | B | B | B | B | A | A | Closed | XXXXX | 2026-09-01 03:45 | 2026-09-04 03:54 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Page 339, Lender exception to allow month to month lease with no year long initial lease term documented. (guides require lease starting as year long) - Due Diligence Vendor-09/04/2026 Ready for Review-so is this waived? - Buyer-09/03/2026 Open-Usingmonth-to-month lease with no year long initial lease term documented. Our guides require a year long lease before moving to month-to-month, were waiving this requirement. - Due Diligence Vendor-09/03/2026 Waived-Using month-to-month lease with no year long initial lease term documented Our guides require a year long lease before moving to month-to-month, were waiving this requirement. - Due Diligence Vendor-09/01/2026 |
Waived-Page 339, Lender exception to allow month to month lease with no year long initial lease term documented. (guides require lease starting as year long) - Due Diligence Vendor-09/04/2026 Waived-Using month-to-month lease with no year long initial lease term documented Our guides require a year long lease before moving to month-to-month, were waiving this requirement. - Due Diligence Vendor-09/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 92.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months 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 Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
Comp Factors: 1) 3 months reserves greater than program requirement 2) Substantial liquid assets post-closing 3) DSCR 1.25 or greater 4) Stellar credit history 5) Experienced real estate investor 6) 764 FICO, 91+ months of reserves, 1.768 DSCR, and the borrower is an experienced investor. 7) 6 months reserves greater than program requirement 8) VOR 0x30 in 24 months 9) No derogatory credit in 24 months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XXXX | ||||
| 2206919 | B | B | B | B | B | B | A | A | Closed | XXXXX | 2026-09-01 03:47 | 2026-09-03 15:12 | Waived | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Escrow Waiver is Not Executed | Waived-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 Open-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 |
Waived-We are requesting to waive escrows on this file. - Due Diligence Vendor-09/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 92.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months 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 Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
Comp Factors: - 88+ months of reserves - FICO of 764 - DSCR of 1.764 - Experienced investor/homeowner. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XXXX | ||||
| 2206920 | 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 | ||||||||||||||||||||
| 2206921 | 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 | ||||||||||||||||||||
| 2211621 | 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 | ||||||||||||||||||||
| 2211625 | 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 | ||||||||||||||||||||
| 2211638 | C | A | A | A | A | A | C | A | Closed | XXXXX | 2026-09-04 02:52 | 2026-09-09 06:57 | 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 Ready for Review-Document Uploaded. Please see attached CDA. - Seller-09/08/2026 Open- - Due Diligence Vendor-09/08/2026 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) Score exceeds 2.5. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Please see attached CDA. - 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 Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) Score exceeds 2.5. - Due Diligence Vendor-09/04/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.58 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 | XXXX | |||
| 2211639 | 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 | ||||||||||||||||||||
| 2216466 | 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 | ||||||||||||||||||||
| 2211629 | 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 | ||||||||||||||||||||
| 2211623 | 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 | ||||||||||||||||||||
| 2216454 | 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 | ||||||||||||||||||||
| 2216455 | D | A | D | A | A | A | A | A | Closed | XXXXX | 2026-09-14 06:02 | 2026-09-17 07:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. - Seller-09/16/2026 Open-Purchase Contract Is Missing Provide a fully executed Purchase Contract for the subject property located at xxx, including all applicable addenda, to verify the purchase price, earnest money deposit, seller credits/concessions, closing date, and any other applicable terms. - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. - Seller-09/16/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.12% Is Less Than The Guideline Maximum Of 45% 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 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.42 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 - 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 | XXXX | |||
| 2216453 | B | B | B | B | A | A | A | A | Closed | XXXXX | 2026-09-14 06:13 | 2026-09-17 15:37 | Resolved | 1 - Information | A | A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-addendum provided. - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. - Seller-09/17/2026 Open-Contract of Sale addendum is required - Due Diligence Vendor-09/14/2026 |
Ready for Review-Document Uploaded. - Seller-09/17/2026 |
Resolved-addendum provided. - 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 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 0.0 |
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 | XXXX | |||
| 2216453 | B | B | B | B | A | A | A | A | Closed | XXXXX | 2026-09-14 09:19 | 2026-09-14 09:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 90% exceeds Guideline LTV of 80% 90% LTV in xxx Purchase - Due Diligence Vendor-09/14/2026 | Waived-Audited LTV of 90% exceeds Guideline LTV of 80% 90% LTV in Florida Purchase - 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 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 0.0 |
Supported value | 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 | XXXX |