Exhibit 99.3 - Schedule 1

 

Loan Number Seller Loan Number Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
10250641 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/21/2026 Acknowledged XXX Property Hazard Insurance Missing or Defective Missing rent loss coverage XXX: Automatic waive 4/21/2026 XXX: Automatic waive received 04/21/2026 XXX months reserves greater than program requirement, FICO XXX C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10250641 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/21/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard Insurance policy is missing XXX/XXX after lender's name. Please provide updated Hazard Insurance policy with XXX/XXX verbiage XXX: Hazard Insurance 4/23/2026 XXX: Hazard Insurance received 04/23/2026   C B C A A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10287871 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/12/2026 Acknowledged XXX Credit Maximum Loan Amount Exceeded XXX > XXX max loan amount on Investor DSCR Program XXX: Exception Approval uploaded 5/14/2026 XXX: Received Exception Approval 05/14/2026 XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, XXX reserves, not inlcuding cash-out. Property is in a very upscalre area of XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10287871 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/14/2026 Acknowledged XXX Credit Excessive LTV Ratio XXX% > 60% LTV limit for loans over XXX XXX: Exception Approval Uploaded 5/14/2026 XXX: Received Exception Approval 05/14/2026 XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, XXX reserves, not inlcuding cash-out. Property is in a very upscalre area of XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10323508 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/27/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323506 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/28/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       05/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323541 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       06/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10323514 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/02/2026 Acknowledged XXX Credit Excessive LTV Ratio 80% LTV > 75% LTV limit for a cash out refinance transaction XXX: Exception Approval Uploaded 7/9/2026 XXX: Received Exception Approval 07/09/2026 XXX months reserves greater than program requirement, VOR/VOM 0x30x24, Decrease in Mortgage Payment by over XXX% C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10369469 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/13/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from PF XXX  & PF XXX to XXX  XXX: deed 7/14/2026 XXX: Deed received 07/15/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369477 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/14/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369433 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/17/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369462 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/20/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/20/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369499 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369501 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369500 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369464 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/23/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369482 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369411 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369435 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369447 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369479 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455977 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/03/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369436 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/04/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369457 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369439 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455922 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/05/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX Property Ineligible Property The subject property is located in a rural area and is not situated within a resort area. XXX: Please see attached evidence of the property in a XXX. 8/12/2026 XXX: Received evidence of the property in a XXX. 08/12/2026   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from the XXX and XXX to XXX . XXX and XXX XXX: Conveyance Deed uploaded 8/11/2026 XXX: Conveyance Deed received 08/11/2026   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393035 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/06/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393033 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369421 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/13/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393038 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/13/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393013 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/13/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX, XXX and XXX ., as Co- Trustees of the XXX  to XXX and XXX XXX: Deed 8/17/2026 XXX: Deed received 08/17/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393039 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/13/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/13/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10393017 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/18/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369476 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/21/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/21/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10433713 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10392988 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/27/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10433671 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/31/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455951 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/31/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10433672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/31/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369454 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/31/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       08/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369463 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10433686 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455973 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455915 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing VOM for primary residence: XXX  XXX: Primary residence LOE 9/8/2026 XXX: Received primary residence LOE 09/08/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455984 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing VOM for primary residence: XXX  XXX: VOM received 9/4/2026 XXX: VOM received 09/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455984 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX Credit Deed Missing or Defective Missing Closing Disclosure for subject property: XXX XXX: CD 9/4/2026 XXX: CD received 09/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455905 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423322 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455925 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/03/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455982 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10433678 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10369448 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423313 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423311 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX Property Ineligible Property Tape reflects loan program as Investor DSCR while subject property is a XXX unit multi-family. Please provide updated tape with corrected loan program XXX: Data tape received 9/10/2026 XXX: Data tape received 09/10/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423326 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX to XXX  XXX: Conveyance Deed uploaded 9/14/2026 XXX: Conveyance Deed received 09/14/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423328 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423327 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423319 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455933 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/10/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/10/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455996 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455875 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455975 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455911 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/11/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455969 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/14/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/14/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455881 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455924 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX Property Hazard Insurance Missing or Defective XXX Hazard Insurance coverage < $ XXX minimum coverage required. Please provide updated hazard policy or XXX% replacement cost coverage. XXX: HOI Updated 9/18/2026 XXX: Received HOI 09/18/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455995 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       9/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10423309 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455944 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455929 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455932 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455896 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/15/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455937 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455883 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/16/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455948 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       9/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455921 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/17/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455976 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/18/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       9/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455891 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/18/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455866 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/18/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/18/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455869 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/21/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/21/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455974 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/23/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review (BPO) for Subject Property: XXX  XXX: CDA 9/28/2026 XXX: BPO received 09/28/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455870 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/24/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10455979 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/25/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines.       09/25/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10161306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/13/2026 Resolved XXX-01 Credit No Findings The loan meets all applicable guidelines           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220441 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/27/2026 Acknowledged XXX Property Ineligible Property Subject property located at XXX is classified as rural and is ineligible per program guidelines. XXX: Exception waiver for Rural prop with LTV greater than XXX% approved 4/17/2026 XXX: Exception waiver received 04/20/2026 XXX months reserves greater than program requirement, VOR XXX in XXX months (checks for private), DTI > XXX% below program requirement / DSCR > XXX, Comps are within few miles of subject, population in appx. XXX, close proximity to schools and major shopping D B D B C B D B N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
10220441 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/27/2026 Acknowledged XXX Credit Excessive LTV Ratio 79.58% LTV > 65% LTV Limit for a Rural property on the Investor DSCR program XXX: Exception waiver for Rural prop with LTV greater than XXX% approved 4/17/2026 XXX: Exception waiver received 04/20/2026 XXX months reserves greater than program requirement, VOR XXX in XXX months (checks for private), DTI > XXX% below program requirement / DSCR > XXX, Comps are within few miles of subject, population in appx. XXX, close proximity to schools and major shopping D B C B C B D B N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B B N/A B B B N/A B B B N/A B B B N/A B B B N/A
10356285 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/07/2026 Resolved XXX Property Appraisal Review - Missing Missing appraisal review (BPO) for subject property: XXX  XXX: BPO uploaded 7/9/2026 XXX: BPO received 07/09/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333370 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/07/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10356283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/14/2026 Resolved XXX Property Appraisal Review - Missing Missing appraisal review (BPO) for subject property: XXX XXX: BPO uploaded 7/15/2026 XXX: BPO received 07/15/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10329046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/15/2026 Resolved XXX Property Appraisal Missing or Defective Missing Appraisal for subject property: XXX  XXX: Appraisal uploaded 7/23/2026 XXX: Appraisal received 07/23/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365410 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/16/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333343 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/16/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431238 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/16/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing lease agreements for the subject property: XXX  XXX: Lease Agreements uploaded 7/30/2026 XXX: Lease Agreements received 07/30/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10329046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/15/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing lease agreements for the subject property: XXX  XXX: Lease Agreements uploaded 8/13/2026 XXX: Lease Agreements received 08/13/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10286403 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/21/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX required for the XXX DSCR program. Current calculation is XXX Market Rent / $XXX PITIA = XXX DSCR. PITIA is currently being calculated as: XXX P&I + XXX Taxes + XXX HOI + XXX Flood + XXX HOA = XXX PITIA. In addition, we're using market rents to qualify as we don't have receipt of XXX rent payments to allow the use of the higher lease rent of $XXX. If using the lease rents to qualify the DSCR still fails at XXX. XXX: Receipt of rents uploaded 7/30/2026 XXX: Receipt of rents received 07/22/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365419 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/20/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365512 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/23/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365401 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365465 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365518 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431260 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399557 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Acknowledged XXX Property Ineligible Property – Square Footage Subject property square footage of XXX < XXX minimum square footage required for a XXX XXX: Exception Waiver uploaded 8/12/2026 XXX: Exception Waiver received 08/12/2026 XXX FICO = XXX points above the min guideline, LTV XXX% - XXX% under the guideline max, DSCR > XXX D B C B A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10399679 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX Credit Title Insurance Missing or Defective Title Commitment is missing Lender's name and XXX XXX: Confirmation from title of XXX to be reflected on the final title report 8/25/2026 XXX: Confirmation from title of XXX to be reflected on the final title report 08/25/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399569 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX Credit Title Insurance Missing or Defective Missing title supplement or updated title report reflecting the lender’s name, coverage amount, and XXX to meet guideline requirements. XXX: Title Supplement uploaded 8/11/2026 XXX: Title Supplement received 08/11/2026   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399556 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Acknowledged XXX Credit Excessive LTV Ratio 80% LTV > XXX% maximum LTV allowed per guidelines for XXX transaction with a XXX FICO on the Core DSCR program XXX: Exception Waiver uploaded 8/11/2026 XXX: Exception Waiver received 08/11/2026 XXX mo reserves, XXX mortgage history, DSCR above XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10399694 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum required for the XXX DSCR program. We are using the XXX lease amount from Unit XXX market rent from Unit XXX and PITIA of XXX XXX: Loan program changed to Sub1 DSCR to meet eligibility 8/13/2026 XXX: Loan program changed to Sub1 DSCR to meet eligibility 08/13/2026   C B C A C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10399605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399563 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/05/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399780 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX Credit Insufficient Assets for Reserves XXX assets < $ XXX minimum liquidity required, please provide additional assets. XXX: Uploaded concurrent cash out and wire receipt 8/14/2026 XXX: Received concurrent cash out and wire receipt 08/14/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399792 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing evidence that subject property is actively being marketed for rent: XXX  XXX: Rental listing uploaded 8/12/2026 XXX: Rental listing received 08/12/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399606 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399551 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX Credit DSCR Minimum Not Met XXX < XX/XX/XXXX minimum DSCR requirement for the XXX DSCR program. We're currently calculating DSCR using XXX Market Rent/ XXX PITIA = XXX DSCR. We're not seeing a lease agreement in file or proof of receipt of the 1st months rent and security deposit XXX: Lease Agreement uploaded 8/19/2026 XXX: Lease Agreement received 08/19/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399596 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365351 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399587 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Acknowledged XXX Credit Excessive LTV Ratio 70% LTV > XXX% maximum LTV allowed per guidelines for refinance transaction with a XXX FICO on the XXX DSCR program XXX: Exception Waiver uploaded 8/12/2026 XXX: Exception Waiver received 08/12/2026 Experienced investor, DSCR >XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10365352 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399736 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/12/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399527 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           D A A A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/12/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399673 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/12/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399694 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/13/2026 Acknowledged XXX Credit Excessive LTV Ratio 70% LTV > XXX% max LTV for a Sub1 DSCR program with XXX FICO XXX: Waiver uploaded 8/13/2026 XXX: Waiver received 08/13/2026 DSCR is XXX below XXX, C/O covers XXX months of reserves, Clean mortgage history, 0x30 for XXX months on all mtgs C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10399624 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/12/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399569 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. XXX: Final Settlement Statement uploaded 8/11/2026 XXX: Final Settlement Statement received 08/11/2026   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399569 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/10/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum required for the XXX DSCR program. We are using the XXX lease amount and PITIA of XXX XXX: Updated property tax estimate uploaded 8/17/2026 XXX: Updated property tax estimate received 08/17/2026   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399731 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399618 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/14/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399576 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399738 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/18/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399950 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399821 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/18/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399858 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/18/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399690 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/18/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399791 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/19/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399860 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/19/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399898 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/19/2026 Resolved XXX Credit Title Insurance Coverage - Inadequate Coverage XXX Title Coverage < XXX minimum coverage required. Please provide an updated title report or supplement XXX: Title Report uploaded 8/21/2026 XXX: Title Report received 08/21/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399790 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/19/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431294 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10356301 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399678 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/20/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399767 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/24/2026 Resolved XXX Credit Title Insurance Missing or Defective Missing lender's name, XXX and proposed insured amount. Please provide an updated title report or supplement. XXX: Title Report uploaded 8/25/2026 XXX: Title report received 08/25/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399617 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399767 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/24/2026 Resolved XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property. - XXX  XXX: Flood Cert uploaded 8/25/2026 XXX: Flood Cert received 08/25/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399856 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399943 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399710 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431288 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/25/2026 Resolved XXX Credit Title Insurance Missing or Defective Preliminary Title in file is missing loan amount, lender name, and mortgagee clause. Please provide updated title report or supplement. XXX: Title Policy uploaded 8/26/2026 XXX: Title Policy received 08/26/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431234 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399900 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399836 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/26/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399772 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431311 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Acknowledged XXX Credit Minimum Loan Amount Not Met XXX Loan Amount < XXX Minimum Loan Amount required XXX: Exception Waiver uploaded 9/3/2026 XXX: Exception Waiver received 09/03/2026 DSCR XXX, FICO XXX, XXX months reserves D B C B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10431311 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX to XXX XXX: Conveyance Deed uploaded 9/3/2026 XXX: Conveyance Deed uploaded 09/03/2026   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10431277 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Resolved XXX Credit Significant Derogatory Credit Event – Requirement Not Met The provided credit report reflects a XXX late mortgage payments dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Per guidelines, the loan is ineligible. XXX: Credit supplemental showing no lates in last XXX months 9/10/2026 XXX: Received credit supplemental showing no lates in last XXX months 09/10/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431283 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Resolved XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XXX: Flood Cert received 8/31/2026 XXX: Flood Cert received 08/31/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431308 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365476 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399549 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing lease agreement for subject property: XXX . Per guidelines, leases are required when the LTV is > XXX% XXX: Lease agreement uploaded 9/4/2026 XXX: Lease agreement received 09/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431431 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431370 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431254 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX Credit Title Insurance Missing or Defective Title supplement is missing XXX after the lender's name. Please provide an updated supplement or title report. XXX: Title policy uploaded 9/15/2026 XXX: Title policy received 09/15/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431351 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX Credit Insufficient Assets for Reserves XXX < XXX minimum assests to close. Bank Statements for XXX account ending in #XXX are present. Other accounts listed on form 1003 are missing. XXX: Assets uploaded 9/3/2026 XXX: Assets received 09/03/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431252 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399875 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399778 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365510 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431455 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum required for the XXX DSCR program. We are currently using XXX Mkt Rent / XXX PITIA = XXX DSCR. We do not have a copy of the lease or receipt of XXX rent payments to be able to gross up the market rent. Also, upon receipt of these items we will only be able to gross up the rent to XXX which is XXX% of the market rent. The UW is currently using the lease rent of $XXX. XXX: Lease agreement uploaded 9/3/2026 XXX: Lease agreement received 09/03/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10365519 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/01/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431395 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/28/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431267 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399813 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431489 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431367 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399740 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399988 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399865 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431310 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399985 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431327 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431377 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431296 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX Property Hazard Insurance Missing or Defective Missing policy number on hazard insurance policy for subject property: XXX  XXX: Hazard policy uploaded 9/15/2026 XXX: Hazard policy received 09/15/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399917 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/04/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431347 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431468 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/02/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399548 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399825 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX Credit Hazard Insurance Missing or Defective Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX Please provide updated coverage effective on or before the disbursement date. XXX: Final Settlement Statement uploaded 9/14/2026 XXX: Final Settlement Statement received 09/14/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431273 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399887 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431329 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX Credit Closing Documentation Missing or Defective Settlement Statement/HUD Page XXX is missing. Please provide complete HUD. XXX: Final Settlement Statement uploaded 9/10/2026 XXX: Final Settlement Statement received 09/10/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/03/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399769 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399775 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431518 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10356297 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/09/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10399908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431417 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431448 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/10/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431329 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/08/2026 Resolved XXX Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX to XXX. XXX: Conveyance Deed uploaded 9/10/2026 XXX: Conveyanvce Deed received 09/10/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431299 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431497 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10356291 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/11/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431398 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/14/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431421 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431504 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431337 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/15/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431515 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431425 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431331 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/17/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431463 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431485 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/16/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431401 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/18/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431246 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/22/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/22/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431484 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/22/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431423 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/23/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431303 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/23/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431442 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10431360 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 09/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10090327 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/29/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333271 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/16/2026 Resolved XXX Credit Subject Property Lease - Missing or Defective Missing evidence of rental listing and vacancy LOE for subject property: XXX XXX: Vacancy LOE uploaded 6/24/2026 XXX: Vacancy LOE received 06/24/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10333321 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/24/2026 Resolved XXX-1 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10286418 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/25/2026 Acknowledged XXX Property Hazard Insurance Missing or Defective Hazard insurance States wind and hail coverage are excluded from the policy. Please provide proof of wind and hail coverage for the subject: XXX XXX: Exception Waiver uploaded 9/2/2026 XXX: Exception Waiver received   DSCR XXX, Experienced Investor, XXX months reserves, FICO XXX C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/26/2025 Resolved XXX Property Appraisal Review - Missing Missing third-party appraisal review for subject property: XXX  XXX/XXX: uploaded CDA 12/23/2025 XXX: Received 12/23/2025   D B D A D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/26/2025 Resolved XXX Credit Asset Documentation Missing or Defective Missing operating agreement for XXX to prove access to funds in bank account used for liquidity - XXX Acct #XXX XXX/XXX: Since this was a cash out we were only going to use the XXX account ending in # XXX 12/3/2025 XXX: Clear 12/03/2025   D B D A D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/26/2025 Resolved XXX Credit Title Insurance Missing or Defective Missing partial release of the insured property in the original prinicipal amount of XXX to XXX (XXX) XXX/XXX: uploaded partial release of mortgage 12/4/2025 XXX: Received 12/04/2025   D B C A D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/26/2025 Resolved XXX Credit Payoff Statement Missing or Defective Missing payoff Statement for lien on title in the amount of XXX to XXX (XXX) XXX/XXX: uploaded partial release of mortgage 12/4/2025 XXX: Received 12/04/2025   D B D A D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 11/26/2025 Acknowledged XXX Property Property Listed for Sale on Refinance Transaction Property was listed for sale in the past XXX months on a cash-out refinance transaction, which is ineligible for financing per guidelines XXX/XXX: Exception provided via email 12/9/2025 XXX: Exception approval received 12/09/2025 FICO XXX, DSCR XXX, XXX months reserves D B C B D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10213848 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 12/03/2025 Resolved XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Flood Insurance XXX were not escrowed and are required to be escrowed per guidelines. XXX/XXX: uploaded evidence flood insurance paid in full 12/23/2025 XXX: Received evidence flood insurance was paid in full 12/23/2025   D B C A D A D B N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
10378964 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 5/4/2026 XXX: Clear 05/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10378963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 5/4/2026 XXX: Clear 05/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10378962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/04/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 5/4/2026 XXX: Clear 05/04/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10378994 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/26/2026 Acknowledged XXX Credit Credit Report Missing or Defective Missing Credit Report for XXX. Guides State that any additional guarantors are subject to a full credit history check. Because XXX has now signed the Guaranty, he now subject to this requirement XXX/XXX: Waived 8/27/2026 XXX: Waived 08/27/2026 XXX FICO, XXX DSCR, XXX% LTV D B D B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10378986 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/26/2026 Resolved XXX Credit No Findings The loan meets all applicable guidelines XXX/XXX: Clear 8/26/2026 XXX: Clear 08/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10378996 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 04/29/2026 Acknowledged XXX Credit Excessive LTV Ratio 80.00% LTV > 75% LTV Limit for a purchase qualifying with STR income XXX/XXX: exception attached 5/7/2026 XXX: Exception approval received 05/07/2026 FICO XXX, DSCR XXX, XXX+ months reserves C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10379003 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/26/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines XXX/XXX: Clear 8/26/2026 XXX: Clear 08/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379016 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/26/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 8/26/2026 XXX: Clear 08/26/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/26/2026 Acknowledged XXX Credit LTV/ARLTV 75% LTV > 70% LTV Limit for a cash-out refinance with XXX FICO XXX/XXX: exception attached 8/26/2026 XXX: Exception approval received 08/26/2026 0x30x12, XXX months reserves, DSCR XXX C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10379009 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 8/27/2026 XXX: Clear 08/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379010 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 8/27/2026 XXX: Clear 08/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 8/27/2026 XXX: Clear 08/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/19/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review for subject property: XXX  XXX/XXX: attached 5/20/2026 XXX: Received 05/20/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 08/27/2026 Resolved XXX No Findings No Findings The loan meets all applicable guidelines. XXX/XXX: Clear 8/27/2026 XXX: Clear 08/27/2026   D A A A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/19/2026 Resolved XXX Credit Mortgage Payment History Missing or Defective Missing XXX month mortgage payment history for subject property: XXX XXX/XXX: VOM attached 5/21/2026 XXX: Received 05/21/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10379044 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 05/19/2026 Resolved XXX Credit Ineligible Property Per Appraisal, subject property XXX  is vacant but recently XXX. Per guides, cash-out refinances are not permitted on vacant properties. XXX/XXX: attached 5/20/2026 XXX: Confirmed property is not vacant from lease agreements, using lower of market rent and lease rent to qualify DSCR 05/20/2026   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/12/2026 Resolved XXX-1527 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX  XXX: Uploaded 3/18/2026 XXX: Clear 03/18/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/17/2026 Acknowledged XXX-1556 Credit Excessive LTV Ratio 75% LTV > XXX% max LTV allowed. Long-Term Rental, XX/XX/XXXX Units, XXX DSCR, XXX FICO, Refinance Cash Out, XXX% Refi of vacant property XXX: Exception waiver in file 3/20/2026 XXX: Waived 03/20/2026 XXX FICO, XXX DSCR, 0 x 30 x 12 D B C B C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220735 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/18/2026 Resolved XXX-1566 Property Appraisal Review - Missing Missing Appraisal Desk Review for property located at : XXX  XXX: Uploaded 3/31/2026 XXX: Clear 03/31/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/18/2026 Resolved XXX-1574 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX   XXX: Uploaded 3/23/2026 XXX: Clear 03/23/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/20/2026 Resolved XXX-1585 Credit Guaranty Missing or Defective Informative Finding: Guaranty in file reflects XXX but the loan amount is XXX Guaranty for this loan is present in #XXX credit files. XXX: Informative Finding 3/20/2026 XXX: Clear 03/20/2026   D A A A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/20/2026 Resolved XXX-1586 Credit Security Instrument Missing or Defective Mortgage in file reflects incorrect property address of XXX , correct address for subject transaction should be: XXX  XXX: Uploaded 3/25/2026 XXX: Clear 03/25/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220743 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/20/2026 Resolved XXX-1587 Credit Borrower Occupancy Certification/Affidavit Missing or Defective Occupancy Certification and Business Purpose Affidavit reflect incorrect loan amount and address for subject transaction. Loan Amount and address should be XXX and XXX  XXX: Uploaded 3/25/2026 XXX: Clear 03/25/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10220761 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/25/2026 Resolved XXX-1593 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 4/23/2026 XXX: Clear 04/23/2026   D B D A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220761 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/30/2026 Resolved XXX-1615 Credit Background Report Aged Background report for qualifying sponsor: XXX is aged XXX days. Must be within XXX days of note date per guidelines. XXX: Uploaded 4/2/2026 XXX: Clear 04/02/2026   D B C A C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220761 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/30/2026 Acknowledged XXX-1616 Credit Non-Occupant Borrower Requirements Not Met Qualifying Sponsor: XXX is in yellow status at the time of closing. XXX: Exception waiver in file 3/30/2026 XXX: Waived 03/30/2026 XXX% LTV, XXX months reserves, 0 x 30 x 12 D B B B C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10220761 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 03/30/2026 Acknowledged XXX-1617 Credit Excessive LTV Ratio Qualifying Sponsor: XXX has a FICO of XXX and a XXX of less than XX/XX/XXXX making them ineligible per guidelines. XXX: Exception waiver in file 3/30/2026 XXX: Waived 03/30/2026 XXX% LTV, XXX months reserves, 0 x 30 x 12 D B B B C B D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268924 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/01/2026 Resolved XXX-1625 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located: XXX XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268983 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/16/2026 Resolved XXX-1666 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XXX: Uploaded 4/27/2026 XXX: Clear 04/27/2026   D B D A B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268983 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/17/2026 Acknowledged XXX-1679 Credit Non-Occupant Borrower Requirements Not Met Refinances currently in default or there is evidence of non-performance XXX: Exception waiver in file 4/17/2026 XXX: Waived 04/16/2026 Fico XXX, 0x30x12, XXX months reserves  D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269006 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1711 Credit Significant Derogatory Credit Event – Requirement Not Met Account is dispute is greater than XXX not allowed per guidelines. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269006 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1712 Credit Significant Derogatory Credit Event – Requirement Not Met Borrower has a open XXX and waiving requirement for copy of the actual complaint. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269019 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/23/2026 Resolved XXX-1714 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX   XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269019 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/23/2026 Resolved XXX-1716 Property Flood Insurance Missing Flood Certificate for XXX   XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269019 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/23/2026 Resolved XXX-1717 Credit Background Report Aged Background Report for qualifying sponsor: XXX is aged XXX days. Guideline requirement of XXX days within note date XXX: Uploaded 5/4/2026 XXX: Clear 05/04/2026   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10269015 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1721 Credit Significant Derogatory Credit Event – Requirement Not Met Account is dispute is greater than XXX not allowed per guidelines. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269015 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1722 Credit Significant Derogatory Credit Event – Requirement Not Met Borrower has a open lawsuit and waiving requirement for copy of the actual complaint. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269016 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1723 Credit Significant Derogatory Credit Event – Requirement Not Met Account is dispute is greater than XXX not allowed per guidelines. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269016 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/27/2026 Acknowledged XXX-1724 Credit Significant Derogatory Credit Event – Requirement Not Met Borrower has a open lawsuit and waiving requirement for copy of the actual complaint. XXX: Exception waiver in file 4/27/2026 XXX: Waived 04/27/2026 FICO XXX, XXX months reserves, XXX DSCR B B B B B B A A N/A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10269034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/28/2026 Resolved XXX-1740 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX   XXX: Uploaded 5/8/2026 XXX: Clear 05/08/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268983 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/25/2026 Acknowledged XXX-1906 Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum DSCR required XXX: Exception waiver in file 5/26/2026 XXX: Waived 05/26/2026 XXX FICO,XXX% LTV, 0 x 30 x 12 D B B B B B D A N/A N/A D B D N/A D B D N/A D B D N/A D B D N/A D B D N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10268963 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/09/2026 Resolved XXX No Findings  No Findings  The loan meets all applicable guidelines. XXX: Clear 4/9/2026 XXX: Clear 04/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10268969 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 04/09/2026 Resolved XXX No Findings  No Findings  The loan meets all applicable guidelines. XXX: Clear 4/9/2026 XXX: Clear 04/09/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307812 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/05/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement/fully executed Company Resolution for borrowing entity : XXX XXX/XXX: Please see attached operating agreement. 5/7/2026 XXX: Received 05/07/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307834 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/06/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/6/2026   05/06/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307897 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/7/2026   05/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307925 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307953 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/08/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/8/2026   05/08/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10307959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/19/2026 Resolved XXX Credit DSCR Minimum Not Met XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly Breakdown: XXX Income / XXX P&I + XXX Hazard + XXX Taxes. Utilizing lease agreement rent as qualifying income. Please be advised the lease was e-signed by both parties. 5/21/2026 XXX: XXX: Confirmed XXX: Per XXX in file, the market rent listed is XXX Lease agreement in file is not executed therefore the market rent was utilized as qualifying income. 05/21/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325121 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/27/2026 Resolved XXX Property Appraisal Review - Missing Missing Appraisal Review (CDA or AVM) for subject property: XXX  Please be advised XXX full appraisals were completed on this loan and the lower of the two values were used which meets guidelines. 6/1/2026 XXX: Received 06/01/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325116 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/27/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/27/2026   05/27/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325165 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 05/29/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   5/29/2026   05/29/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10325201 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 06/01/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   6/1/2026   06/01/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400011 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit Insufficient Assets to Close XXX verified liquidity < XXX minimum liquidity required. Please provide additional asset documentation. Please see attached settlement Statement for the sale of XXX  which supports XXX. Please review to clear this condition. 7/28/2026 XXX: Received 07/28/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing entity documentation (XXX) for borrower entity: XXX Uploaded 7/27/2026 Received 07/27/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400016 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Property Hazard Insurance Missing or Defective Hazard insurance policy in file does not include expiration date. Please provide hazard insurance policy including effective period. The hazard policy provided is a binder. State XXX provides coverage for up to XXX days after binder date. Once XXX does their underwriting, then they will extend the coverage for the XXX months following. Please see this Statement on the binder at the bottom of pg XXX of the document. Nothing additional is required. 7/28/2026 XXX: Agreed; Cleared 07/28/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400072 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400029 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit Insufficient Assets to Close XXX verified liquidity < XXX minimum liquidity required. Please provide additional asset documentation. Please see the attached most recent bank Statement showing $XXX in assets, which is sufficient to close plus reserves. 7/28/2026 XXX: Received 07/28/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400016 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Verification of primary residence, XXX , is not provided for Borrower, XXX. Please provide additional documentation for last XXX months. Please see the attached evidence showing borrower has no active mortgages on property, and our guidelines that State free/clear borrowers do not need to meet the requirements of rent-free borrowers. 7/28/2026 XXX: Received 07/28/2026   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400023 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/22/2026   07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400030 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Verification of primary residence, XXX, is not provided for Borrower, XXX. Please provide additional documentation for last XXX months. Please be advised borrower own their primary residence and this was included in REO records, see attached HOI and taxes. 7/28/2026 XXX: Received 07/28/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400027 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Credit Insufficient Assets for Reserves XXX months reserves < XX/XX/XXXX minimum months reserves required. Please see the attached XXX Exchange documentation. The proceeds from the XXX exchange were included as eligible assets and applied toward the borrower's reserve requirement. The documentation clearly supports the availability and sourcing of these funds, demonstrating that they were accessible and properly considered in the asset calculation. Based on the attached documentation, the reserve requirement has been fully satisfied, and no additional documentation should be required regarding these assets 7/27/2026 Received 07/27/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400032 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/22/2026   07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400048 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400061 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400063 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400033 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX Property Flood Insurance Missing or Defective Missing flood insurance document Please see attached, flood insurance as requested. 7/28/2026 XXX: Received 07/28/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400031 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/22/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/22/2026   07/22/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400073 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400082 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400084 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400098 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400111 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400116 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX Property Flood Insurance Missing or Defective Missing flood insurance document Please see attached, flood information as requested. 7/28/2026 XXX: Received 07/28/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400139 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400144 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400161 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400166 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400170 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400175 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400121 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400129 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400049 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400064 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400074 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400101 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400107 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/24/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/24/2026   07/24/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400035 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/28/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/28/2026   07/28/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400100 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance policy for Subject Property: XXX-XXX. Hazard insurance in file is not for subject property XXX/XXX: Please see the active dec page for the subject property attached 8/5/2026 XXX: Received 08/05/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400133 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Hazard Insurance Missing or Defective Provided Hazard Insurance Policy is Expired, Please Provide Updated Policy Please see attached 8/4/2026 XXX: Received 08/04/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400075 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for Entity : XXX Please see attached AOI 8/4/2026 XXX: Received 08/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400117 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Property Market Rent - Missing or Defective Missing XXX or executed lease agreement for Subject: XXX  See attached rent schedule 8/4/2026 XXX: Received 08/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400085 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). Non-XXX Close refinance transaction Please see the attached cpl letter 8/5/2026 XXX: Received 08/05/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400065 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Property Completion Report or 1004D - Missing Appraisal in file reflects subject property as "subject too…" Please provide 1004D or other documentation to confirm completion of repairs reflected on appraisal. Please see attached confirming no issue with the property. 8/4/2026 XXX: Received 08/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400156 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement & Articles of Incorporation for Entity: Retrieving data. XXX Please refer to page XXX for the operating agreement. 8/4/2026 XXX: Received 08/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400047 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for Entity: XXX Please see the attached operating agreement. 8/4/2026 XXX: Received 08/04/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400151 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Insufficient Assets to Close XXX verified liquidity < XXX minimum liquidity required. Please provide XXX documentation to verify proceeds of sale reflected on URLA. see XXX 8/5/2026 XXX: Received 08/05/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400017 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX Property Hazard Insurance Missing or Defective Missing hazard insurance in file for subject property: XXX. Hazard insurance provided in file is not for subject property. Please see attached HOI 8/4/2026 XXX: Received 08/04/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400019 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400022 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400024 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400034 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400036 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400149 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Credit Title Insurance Missing or Defective Non-XXX Close Purchase Transaction: Title commitment in file is MISSING MORTGAGEe clause after lender's name. Please provide updated title commitment with XX/XX/XXXX verbiage. XXX/XXX: Please see the policy attached where the XXX verbiage appears for the lender at closing, 8/6/2026 XXX: Received 08/06/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400054 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/30/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/30/2026   07/30/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400182 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX Property Condo Questionnaire Missing or Defective Missing Condominium Questionnaire for subject property at XXX : XXX  A condo questionnaire is not required on a Type T condo review. Please see the attached guidelines. 8/13/2026 XXX: Received. 08/13/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400062 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400066 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400078 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400080 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400081 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400083 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400090 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400092 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400094 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400096 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400097 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400108 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400112 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400118 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400124 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400131 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400136 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400138 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400142 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400145 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400160 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400162 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400164 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400168 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400172 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400177 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400185 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400191 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400193 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400134 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX Property Market Rent - Missing or Defective Missing market rent XXX or lease agreement/STR documentation for subject property: XXX   See attached XXX 8/10/2026 XXX: Received 08/10/2026   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400071 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX Credit Closing Protection Letter Missing or Defective Missing Closing Protection Letter (CPL). Non-XXX Close refinance transaction XXX/XXX: Please see a copy of the XXX attached 8/7/2026 XXX: Received 08/07/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400046 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400055 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400058 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400070 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400104 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400146 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400147 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400153 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400174 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400178 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400187 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400190 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 08/07/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   8/7/2026   08/07/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
10400155 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Loan Review Complete 07/31/2026 Resolved XXX No Findings No Credit Findings The loan meets all applicable guidelines   7/31/2026   07/31/2026   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A