Exhibit 99.1 Schedule 3
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Name | State | QM/ATR Status | Initial Overall Loan Grade | Final Overall Grade | Final Credit Grade | Final Property Grade | Final Compliance Grade | Material (level 3) TRID exception? | Material (level 3) Non-TRID exception? | Active Material Exceptions | Active Non Material Exceptions | Satisfied Exceptions | Waived Exceptions | Compensating Factors | Property Type | Note Date | LTV | CLTV | Occupancy | Purpose | Credit Score | Brwr 1 Yrs in Property | Brwr 1 Occupation | Brwr 1 Yrs on Job | Total Monthly Income | Mortgage History | Cash Out Amount | DTI | FTHB Flag | Loan Doc Type | Loan Status | Review Date |
| 1 | XX | XX | XX | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 64.955% | 64.955% | Primary | Purchase | 759 | XX | 12.75 | $64,926.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.731% | No | Alternative | QC Complete | 08/11/2026 | ||||||||
| 2 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 795 | XX | 4.83 | $95,030.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.446% | Alternative | QC Complete | 08/26/2026 | |||||||||
| 3 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a legible copy of the borrowers driver’s license, as the USA PATRIOT Act identification is illegible. 09/03/2026 Resolved : The copy of driver's license resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide receipts for township, county, and school property taxes for each of the three prior years. 09/11/2026: Resolved. Schedule B requirements must be met in order for the title company to insure the first lien and clear marketable title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide copies of bank statements for XX Bank account #XX covering June 2024 through October 2024. 09/03/2026 Resolved : The copy of bank statements resolves the condition. |
PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 785 | XX | 6.5 | $77,407.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.930% | No | Alternative | QC Complete | 08/26/2026 | |||||||
| 4 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 693 | XX | 5 | $7,491.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.490% | No | Alternative | QC Complete | 08/26/2026 | ||||||||
| 5 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 53.218% | 53.218% | Primary | Purchase | 768 | XX | 2.58 | $8,353.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.069% | Yes | Alternative | QC Complete | 09/10/2026 | ||||||||
| 7 | XX | XX | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a legible copy of identity document proof for B1 and B2 (XX). 8/17/2026: Resolved. Received ID's *** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: Provide a copy of appraisal report with rent schedule. 08/10/2026: Resolved. The subject property is a second home and rental income not applicable, full PITI for subject used when qualifying. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting documentation for HOA/Taxes/Insurance for property located at XX. 8/17/2026: Countered. Only received proof of HOA. Need proof of taxes and insurance. 08/21/2026 Resolved : the copy of mortgage statement resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of supporting documentation for HOA/Taxes/Insurance for the property located at XX. 08/10/2026: Resolved. Taxes are $5190.08/12=$432.50 and shows lien free. In the Miscellaneous index, $251 monthly HOA. In the Email index property owned free and clear and no homeowners insurance. Total primary housing expense equals $683.50, slightly more than the $654.79 used to qualify by $28.71 and no impact to DTI |
PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 785 | XX | 24.92 | $113,828.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.362% | No | Alternative | QC Complete | 07/31/2026 | |||||||
| 8 | XX | XX | XX | Mississippi | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The “Negative Amortization” check box on the 4th page of the Final CD has not been updated. Resolved 8/31/2026: Received PCCD dated 8/XX/2026 with updated “Negative Amortization” check box and exception is cleared |
Single Family | 07/XX/2026 | 50.000% | 50.000% | Investor | Cash Out | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$33,254.04 | Alternative | QC Complete | 10/23/2026 | |||||||||||
| 9 | XX | XX | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Hazard insurance with Mortgagee Clause. 08/27/2026 Resolved : The copy of hazard insurance resolves the condition. |
PUD | 07/XX/2026 | 79.208% | 79.208% | Investor | Purchase | 746 | XX | 41.5 | $70,325.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.363% | No | Alternative | QC Complete | 08/26/2026 | |||||||
| 10 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 730 | XX | 2.42 | $22,461.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.039% | No | Alternative | QC Complete | 08/11/2026 | ||||||||
| 12 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 741 | XX | 12.75 | $55,658.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.108% | No | Alternative | QC Complete | 10/26/2026 | ||||||||
| 13 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 686 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/11/2026 | ||||||||||||
| 15 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Personal Guaranty executed by XX, who holds 51% ownership in XX 08/12/2026: Resolved. The note is n the name of the borrower only. A personal guarantee is not needed. |
Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$151,803.37 | Alternative | QC Complete | 08/11/2026 | |||||||||||
| 18 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Refinance | 715 | 1 | XX | 6.5 | $21,064.85 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.002% | Alternative | QC Complete | 09/11/2026 | ||||||||
| 19 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 74.997% | 74.997% | Primary | Purchase | 754 | XX | 1.92 | $8,763.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.969% | Yes | Alternative | QC Complete | 08/11/2026 | ||||||||
| 20 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Borrower driver license is missing. Provide a copy of the borrower driver license. 08/27/2026 Resolved : The copy of patriot act form resolves the condition. |
2 Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 788 | 2.66 | XX | 5.42 | $61,248.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$171,469.10 | 18.389% | Alternative | QC Complete | 08/26/2026 | ||||||
| 21 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide payoff of statement or supporting document to exclude the below liabilities XX*** balance: $44,528 and payment $1,023. XX*** balance: $32,570 and payment $678. 08/20/2026: Resolved. Debts were included in ratios and still meet DTI requirement |
Single Family | 07/XX/2026 | 49.505% | 49.505% | Primary | Cash Out | 712 | 1.17 | XX | 15.66 | $22,546.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$466,528.66 | 37.580% | Full Documentation | QC Complete | 08/11/2026 | ||||||
| 22 | XX | XX | XX | Idaho | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Closing Protection Letter - EV R COMMENT: Provide a copy of the Closing Protection Letter (CPL). 08/21/2026 Resolved : The copy of CPL resolves the condition. |
PUD | 06/XX/2026 | 51.183% | 51.183% | Investor | Cash Out | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$176,089.79 | Alternative | QC Complete | 07/30/2026 | |||||||||||
| 23 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 790 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/11/2026 | ||||||||||||
| 24 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a clear and legible copy of the borrower's driver's license, as the copy currently in the file is not legible. 8/10/2026: resolved. Received clear ID *** (CURED) Required Documentation Missing - EV R COMMENT: Missing current (active) lease agreement to determine the monthly rent. 08/24/2026 Resolved: Resolved as the lease agreement is not required. |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/30/2026 | |||||||||||
| 26 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 770 | XX | 3.75 | $25,914.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.322% | Yes | Alternative | QC Complete | 08/26/2026 | ||||||||
| 27 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets are not sufficient to close - EV R COMMENT: Provide additional asset documentation sufficient to cover the required Cash to Close and Reserve requirements, as the current verified assets are insufficient. Required assets total $250,022.24, consisting of $177,044.30 for Cash to Close and $72,977.94 for Reserves. 08/17/2026: Resolved; Business assets in XX #XX in the name of the borrower’s business (borrower 100% owner, 75% of balance can be used) ending 5-XX-26 show $442064 and 75% equals $331,548. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated title report reflecting the mortgage clause. 08/17/2026: Countered; In Texas, a title insurance commitment must explicitly list the buyer or lender as the Proposed Insured on Schedule A before the final title policy can be issued 09/01/2026 Resolved : The copy of final title policy resolves the condition. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 768 | XX | 6.5 | $395,774.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.086% | No | Alternative | QC Complete | 07/31/2026 | |||||||
| 28 | XX | XX | XX | South Dakota | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Condo / PUD rider Missing - EV R COMMENT: Provide a copy of the PUD Rider and an updated Mortgage/Deed of Trust reflecting the PUD Rider. 09/11/2026: Resolved. Received Deed and PUD rider *** (CURED) DTI > 50% - EV R COMMENT: The DTI exceeds the maximum allowable guideline limit of 50% due to the revised XX monthly payment of $1,549, as reported on the XX Credit Report. The resulting DTI of 50.057% exceeds the program’s maximum allowable limit and does not meet guideline requirements. 09/01/2026 Resolved : The LOX explaining the removal of HOA amount resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Payoff Statements for the mortgage accounts. XX 08/19/2026: Resolved. Per underwriter’s worksheets for properties listed below, loans not paid off and reported under partnership |
PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 770 | XX | 11.5 | $22,548.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.949% | No | Full Documentation | QC Complete | 08/11/2026 | |||||||
| 29 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance is insufficient to cover the loan amount of $XX. Provide a copy of the title supplement report. 08/24/2026 Resolved : Resolved as the extended coverage policy available in the supplemental report. |
PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 780 | XX | 8 | $14,102.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.764% | No | Alternative | QC Complete | 08/11/2026 | |||||||
| 30 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 74.996% | 74.996% | Investor | Purchase | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 32 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/10/2026 | ||||||||||||
| 33 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/26/2026 | |||||||||||||
| 35 | XX | XX | XX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: The subject property is held in an LLC, which is owned 50% by the Borrower and 50% by the Borrower’s daughter. An exception is requested to the 51% LLC ownership requirement due to the Borrower’s 50% ownership interest. The exception approval is missing the authorized underwriting approval signature and date. 08/18/2026: Resolved. Amendment to operating agreement in file showing 51% ownership on page 468. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$44,973.26 | Alternative | QC Complete | 08/11/2026 | |||||||||||
| 36 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$24,857.74 | Alternative | QC Complete | 08/11/2026 | ||||||||||||
| 38 | XX | XX | XX | Nevada | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the supporting document verifying the HOA amount of $635.79 for the property located at XX. 09/03/2026 Resolved : Resolved as escrow does include this amount. |
PUD | 07/XX/2026 | 52.636% | 52.636% | Secondary | Refinance | 761 | XX | 26.58 | $30,516.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.529% | Alternative | QC Complete | 08/26/2026 | ||||||||
| 40 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of condo questionnaire as it is missing. 08/17/2026: Resolved. Received condo questionnaire. |
High Rise Condo (>=9 Stories) | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 766 | XX | 20.75 | $32,908.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.069% | No | Full Documentation | QC Complete | 08/11/2026 | |||||||
| 41 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 785 | XX | 3.33 | $47,281.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.000% | Yes | Alternative | QC Complete | 08/11/2026 | ||||||||
| 43 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 735 | XX | 32.08 | $45,061.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.529% | No | Alternative | QC Complete | 08/11/2026 | ||||||||
| 44 | XX | XX | XX | Utah | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: The dwelling amount of $XX does not cover the loan amount of $XX. Provide a copy of the replacement cost estimator. 08/13/2026 Resolved : Resolved as adding the extra policy coverage provided sufficient dwelling limits. |
PUD | 07/XX/2026 | 66.647% | 66.647% | Investor | Purchase | 805 | XX | 18.08 | $411,081.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
7.969% | No | Alternative | QC Complete | 08/12/2026 | |||||||
| 46 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting documentation for HOA/Taxes for the property located at "XX". 09/09/2026 Resolved : Resolved as there is no HOA, this is sfr home. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide updated 1003 on the property address from XX to XX to match the address reflected on the mortgage statement and tax document. 09/09/2026 Resolved : Resolved as REO docs in the file show correct address. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 744 | XX | 12 | $22,985.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.038% | No | Full Documentation | QC Complete | 08/27/2026 | |||||||
| 47 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$14,351.68 | Alternative | QC Complete | 09/10/2026 | ||||||||||||
| 48 | XX | XX | XX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 742 | XX | 12.08 | $9,682.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.465% | No | Alternative | QC Complete | 08/11/2026 | ||||||||
| 53 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 792 | XX | 5.08 | $13,123.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.359% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 55 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 71.429% | 71.429% | Investor | Cash Out | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$168,796.89 | Alternative | QC Complete | 08/11/2026 | ||||||||||||
| 57 | XX | XX | XX | Iowa | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of identity documentation for B1, XX. 08/19/2026: Resolved. Received ID *** (CURED) Assets are not sufficient to close - EV R COMMENT: Provide copies of the most recent two months’ bank statements for the XX Bank account reflecting the $4,500 balance. 08/19/2026: Resolved. XX Bank not used *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the hazard insurance policy reflecting the mortgagee clause for the subject property. 08/19/2026: Resolved. Received HOI |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | |||||||||||
| 58 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/11/2026 | ||||||||||||
| 60 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 69.040% | 69.040% | Secondary | Refinance | 716 | $108,571.42 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.706% | Alternative | QC Complete | 08/26/2026 | |||||||||||
| 62 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Secondary | Purchase | 803 | XX | 12.75 | $18,332.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.175% | No | Full Documentation | QC Complete | 08/11/2026 | ||||||||
| 64 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 766 | XX | 7.25 | $377,152.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.956% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 65 | XX | XX | XX | Connecticut | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Appraisal update required to include interior and exterior photographs of the garage, as referenced in the purchase contract and appraisal report. 08/10/2026: Resolved. Received LOE stating the subject property only has a parking space no garage. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated Ho6 policy with subject property unit No "#XX" and mortgage clause "ISAOA/ATIMA". 08/17/2026: Resolved. Received updated HOI |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 44.444% | 44.444% | Primary | Purchase | 700 | $3,742.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.391% | No | Alternative | QC Complete | 07/31/2026 | |||||||||
| 68 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 777 | XX | 2.16 | $34,818.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.702% | No | Full Documentation | QC Complete | 08/12/2026 | ||||||||
| 69 | XX | XX | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Application Missing - EV R COMMENT: Provide a copy of Final Application. 08/24/2026 Resolved: The copy of final application resolves the condition. *** (CURED) No HOA fees on appraisal and property identified as a PUD - EV R COMMENT: No proof of evidence for stating HOA dues as $0. Based on the email conversation, they are still waiting on the title work, provide supporting documentation confirming the HOA dues. 08/24/2026 Resolved : Letter of explanation from client for HOA resolves the condition. |
PUD | 06/XX/2026 | 50.296% | 50.296% | Investor | Purchase | 781 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/31/2026 | |||||||||||
| 71 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 70.805% | 70.805% | Primary | Refinance | 753 | 1 | XX | 5.91 | $10,047.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.869% | Alternative | QC Complete | 09/11/2026 | ||||||||
| 72 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 710 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$44,192.44 | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 73 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 792 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 75 | XX | XX | XX | Alaska | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Charged 8.454% Allowed 8.020% + Overby 0.434% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a current payoff statement for the HELOC account with XX ending #XX, reflecting the outstanding balance of approximately $100,784. 08/19/2026 Resolved : The copy of settlement statement resolves the condition. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 648 | XX | 16.5 | $8,295.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.237% | No | Alternative | QC Complete | 08/12/2026 | |||||||
| 76 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 77 | XX | XX | XX | North Carolina | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The maximum allowable LTV for the program with a 711 credit score is 75%; the requested LTV is 80%. Exception approval is present |
DSCR Ratio : 1.478 DSCR exceeds the minimum guideline of 1.00 Credit Score : 711 exceeds the minimum guideline requirement of 660 Reserve : 31.27 months reserves exceed the minimum guideline of 6 months. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 711 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||
| 79 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 07/XX/2026 | 64.207% | 64.207% | Investor | Cash Out | 761 | XX | 5.17 | $36,908.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$499,962.25 | 15.682% | Alternative | QC Complete | 08/12/2026 | ||||||||
| 80 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of 2 months bank statement for the account XX 09/10/2026: Resolved. Assets from XX are not needed to close or reserves. Cash to close and required reserves covered by assets with XX and XX. |
2 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/27/2026 | |||||||||||
| 81 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 777 | XX | 3.75 | $6,574.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.380% | No | Full Documentation | QC Complete | 08/26/2026 | ||||||||
| 82 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Need Final CD or PCCD with demand feature check box update. Resolved 9/9/2026: Received PCCD dated 8/XX/2026 with updated “demand feature check box" and exception is cleared *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the updated final Hazard Insurance Mortgagee Clause (ISAOA/ATIMA), as it is missing. 09/10/2026: Resolved. Received updated HOI |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/23/2026 | |||||||||||
| 84 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 810 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 86 | XX | XX | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraiser Licence Missing - EV R COMMENT: Provide updated CDA report reflecting the appraiser’s license number. 08/31/2026 Countered : the copy of appraiser license from appraisal does not resolve the condition. 09/03/2026 Resolved : The copy of license resolves the condition. *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of the borrower’s identity document for XX 09/03/2026 Resolved : The copy of Patriot Act disclosure resolves the condition. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 703 | 15 | XX | 13.5 | $158,472.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$183,889.70 | 10.061% | Alternative | QC Complete | 08/26/2026 | ||||||
| 88 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 746 | XX | 10.42 | $25,760.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.253% | Yes | Alternative | QC Complete | 08/27/2026 | ||||||||
| 92 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 50.000% | 50.000% | Primary | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/26/2026 | ||||||||||||
| 94 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.571% | 68.571% | Investor | Cash Out | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$108,054.18 | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 95 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 45.402% | 45.402% | Primary | Refinance | 803 | 0.16 | XX | 17.08 | $16,502.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.832% | Full Documentation | QC Complete | 08/12/2026 | ||||||||
| 97 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 40.000% | 40.000% | Primary | Purchase | 782 | $6,376.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.417% | No | Alternative | QC Complete | 08/27/2026 | ||||||||||
| 99 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 704 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$68,146.30 | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 100 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 660 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/12/2026 | |||||||||||||
| 107 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.182% | 68.182% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 110 | XX | XX | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provide a secondary valuation (CDA or Desk Review) completed by an independent party other than the appraiser who prepared the original 1004 appraisal. 08/21/2026 Resolved : The copy of CDA resolves the condition. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 786 | XX | 2.66 | $28,563.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.781% | No | Full Documentation | QC Complete | 08/12/2026 | |||||||
| 116 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 728 | XX | 3.33 | $50,183.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.061% | No | Alternative | QC Complete | 08/27/2026 | ||||||||
| 120 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 756 | XX | 1.25 | $44,166.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.105% | No | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 125 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 87.371% | 87.371% | Primary | Purchase | 792 | XX | 3.58 | $16,613.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.632% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 128 | XX | XX | XX | Idaho | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: provide the missing Business Bank statements for the XX Bank account ending in A/C#XX for the period from July 2025 through March 2026 09/08/2026: Resolved. Received bank statements. |
PUD | 08/XX/2026 | 72.918% | 72.918% | Primary | Purchase | 813 | XX | 2.58 | $29,058.32 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
14.220% | Yes | Alternative | QC Complete | 08/27/2026 | |||||||
| 129 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Condo / PUD rider Missing - EV R COMMENT: Provide an updated mortgage reflecting the PUD rider box checked and a PUD rider document also. 09/01/2026 Resolved : Resolved, as the subject property is not classified as a PUD. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated HOI policy for the subject property, as the current one is missing mortgage clause on it. 09/01/2026 Resolved : the copy of HOI policy with mortgagee clause resolves the condition. |
PUD | 08/XX/2026 | 69.048% | 69.048% | Secondary | Refinance | 783 | XX | 12 | $43,761.19 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.782% | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 132 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 133 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of the VVOE confirming the borrower’s current employment/self-employment with XX 08/14/2026: Countered. Borrowers self employment must be independently verified. Examples would be a google search of the business or a state search of the business. 08/24/2026 Resolved : Resolved as per the guidelines suffice the CPA within 20 days of Note. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the supplemental title report reflecting the lender’s name with the required ISAOA/ATIMA clause. 08/21/2026 Resolved : Resolved as ISAOA/ATIMA language is not a required element of a Texas title commitment or lender's title policy. |
PUD | 07/XX/2026 | 85.000% | 85.000% | Primary | Refinance | 764 | 0.75 | XX | 3.58 | $16,988.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.330% | Alternative | QC Complete | 08/12/2026 | |||||||
| 140 | XX | XX | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 811 | XX | 10 | $42,334.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.177% | No | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 141 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 66.818% | 66.818% | Primary | Purchase | 792 | XX | 9 | $14,292.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.550% | No | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 144 | XX | XX | XX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 145 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 795 | $568.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$190,698.93 | 37.573% | Full Documentation | QC Complete | 08/28/2026 | ||||||||||
| 148 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 807 | XX | 7.91 | $29,682.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.971% | No | Full Documentation | QC Complete | 08/12/2026 | ||||||||
| 149 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the payoff statement for installment account XX, excluded in DTI. 09/11/2026 Resolved : The proof of payoff resolves the condition. |
Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 801 | XX | 23.5 | $14,352.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.582% | No | Alternative | QC Complete | 08/28/2026 | |||||||
| 151 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a supporting document for the installment account "XX" reflecting payment of $701.22. 08/14/2026: Countered. The document provided on page 945 shows a 1 time payment of $44,681.51. Need documentation showing payment amount of $701.22. 08/24/2026 Resolved : The copy of the proof of payments resolves the condition. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 708 | 2.58 | XX | 14.83 | $30,633.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$67,959.61 | 35.277% | Alternative | QC Complete | 08/12/2026 | ||||||
| 157 | XX | XX | XX | Maryland | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.530% Allowed 7.990% Overby +1.540% This loan is compliant with regulation 1026.35. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). MD COMAR Higher-Priced Mortgage Loan Test: Charged 9.530% Allowed 7.990% Overby +1.540% This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |
PUD | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 751 | XX | 6.58 | $21,950.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.944% | No | Alternative | QC Complete | 09/11/2026 | |||||||
| 159 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 74.026% | 74.026% | Investor | Purchase | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 160 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 789 | XX | 5.33 | $32,762.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.015% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 161 | XX | XX | XX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 55.556% | 55.556% | Investor | Refinance | 723 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 09/11/2026 | |||||||||||||
| 163 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated lease agreement for subject property as the current one in expired on 04/XX/2026. 09/11/2026 Resolved : The copy of lease renewal form resolves the condition. |
Single Family | 08/XX/2026 | 61.538% | 61.538% | Investor | Cash Out | 783 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$13,611.32 | Alternative | QC Complete | 08/28/2026 | |||||||||||
| 167 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 74.636% | 74.636% | Investor | Purchase | 783 | XX | 9.08 | $35,249.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.673% | No | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 170 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 687 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/27/2026 | ||||||||||||
| 171 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/27/2026 | ||||||||||||
| 172 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 784 | XX | 4.16 | $23,297.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.846% | No | Full Documentation | QC Complete | 08/12/2026 | ||||||||
| 179 | XX | XX | XX | Maine | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 810 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 180 | XX | XX | XX | Iowa | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 58.824% | 58.824% | Primary | Cash Out | 782 | 1.08 | XX | 12.08 | $63,062.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$493,814.08 | 31.704% | Alternative | QC Complete | 08/28/2026 | |||||||
| 182 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 08/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/28/2026 | ||||||||||||
| 185 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 728 | XX | 4.91 | $18,480.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.417% | No | Full Documentation | QC Complete | 08/28/2026 | ||||||||
| 186 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 781 | XX | 11 | $23,570.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.108% | No | Full Documentation | QC Complete | 09/11/2026 | ||||||||
| 188 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Secondary | Purchase | 807 | XX | 2.16 | $12,846.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.447% | No | Full Documentation | QC Complete | 08/28/2026 | ||||||||
| 311 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 55.000% | 55.000% | Investor | Refinance | 692 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/28/2026 | |||||||||||||
| 313 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 51.316% | 51.316% | Primary | Cash Out | 711 | 34 | XX | 25.58 | $5,222.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$14,203.61 | 38.009% | Alternative | QC Complete | 09/09/2026 | |||||||
| 315 | XX | XX | XX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) DTI > 50% - EV W COMMENT: DTI Ratio of $53.34 exceeds the guideline. Exception approval present. |
20.955 months reserves exceed the minimum guideline of 6
months. 776 exceeds the minimum guideline requirement of 720 LTV of 78.95% is less than the maximum guideline requirement of 90%. |
3 Family | 08/XX/2026 | 78.947% | 78.947% | Primary | Purchase | 776 | XX | 2.58 | $20,453.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
53.349% | Yes | Alternative | QC Complete | 08/28/2026 | ||||||
| 316 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 318 | XX | XX | XX | North Carolina | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception is for 5% LTV over the max allowed of 70%. Guideline allows only maximum 70% LTV for Short-term rental on condominium. A copy of an exception approval letter is available in the loan file. |
FICO: 761 FICO exceeds the guideline requirement of 720. DSCR: 1.26 DSCR exceeds the guideline requirement of 1.00. Reserves: The 36 months of available reserves are more than the guideline requirement of 3 months. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$138,707.53 | Alternative | QC Complete | 10/26/2026 | ||||||||||
| 319 | XX | XX | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Initial Closing Disclosure - EV R COMMENT: Missing Initial Closing Disclosure. Resolved 8/28/2026: Received Initial Closing Disclosure dated 07/XX/2026 and exception is cleared |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 50.761% | 50.761% | Primary | Purchase | 802 | XX | 7.08 | $11,707.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.773% | No | Full Documentation | QC Complete | 08/25/2026 | |||||||
| 321 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Missing copy of master policy. 08/18/2026: Resolved. Received Master policy |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower is FTHB, Living rent free for more than 10 Years Exception approval present |
790 exceeds the minimum
guideline requirement of 700 LTV of 76.81% is less than the maximum guideline requirement of 85%. 6 months reserves exceed the minimum guideline of 3 months. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 76.809% | 76.809% | Primary | Purchase | 790 | $14,556.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.676% | Yes | Alternative | QC Complete | 08/13/2026 | |||||||
| 325 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 740 | XX | 3.42 | $342,884.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.043% | No | Alternative | QC Complete | 08/31/2026 | ||||||||
| 326 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX 08/20/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Gift $2,100.00 source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received). 08/25/2026 Resolved : Resolved as the gift was provided in cash and not deposited. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting an exception to waive 2nd appraisal due to appreciation (rate/term) A copy of an exception approval letter is available in the loan file. |
DTI: 8.58% is lower than the maximum guideline requirement of
50.00%. Reserves: 37 months of available reserves are more than the guideline requirement of 3 months. FICO: 781 exceeds the minimum FICO requirement of 720. |
PUD | 08/XX/2026 | 85.000% | 85.000% | Investor | Refinance | 781 | XX | 27.58 | $40,713.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.580% | Alternative | QC Complete | 08/16/2026 | ||||||
| 328 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$26,345.81 | Alternative | QC Complete | 09/09/2026 | ||||||||||||
| 329 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 731 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/09/2026 | ||||||||||||
| 333 | XX | XX | XX | Colorado | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Permit first time home buyer with no 12-month payment history within the last three years. Exception Approval Present. |
Borrower has been living with spouse who owns the marital
residence. spouse will be on title for subject Stated reserves exceed $100,000.00 vs required $76,500.00 DTI of 8.15% is less than the maximum guideline requirement of 43%. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 805 | 6.25 | $109,110.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.152% | Yes | Alternative | QC Complete | 08/13/2026 | |||||||
| 335 | XX | XX | XX | Texas | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Subject is a barndomunium, comp 3 is also a XX with xx acres NSF event of 8 exceed the guideline requirement of maximum six NSF event in the any 12-month period. Loan Exception present |
704 exceeds the minimum guideline requirement of 640 DTI of 37.17% is less than the maximum guideline requirement of 50%. Residual Income : $2$9,470.82 monthly ( Calculate it Total income - Total obligation) |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 704 | 6 | XX | 24.58 | $15,073.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$75,702.00 | 37.166% | Alternative | QC Complete | 08/27/2026 | |||||
| 336 | XX | XX | XX | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/20/2026: Resolved. Received Business Purpose & Occupancy Affidavit |
Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 675 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/16/2026 | |||||||||||
| 337 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 66.964% | 66.964% | Primary | Cash Out | 776 | 2 | XX | 11.83 | $39,635.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$415,502.60 | 11.247% | Alternative | QC Complete | 08/31/2026 | |||||||
| 338 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 09/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 732 | XX | 7.66 | $3,258.67 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
34.362% | Yes | Full Documentation | QC Complete | 09/09/2026 | ||||||||
| 340 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 767 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 341 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$145,146.91 | Alternative | QC Complete | 08/18/2026 | ||||||||||||
| 342 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | ||||||||||||
| 343 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 680 | XX | 15.75 | $38,225.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.827% | No | Alternative | QC Complete | 09/09/2026 | ||||||||
| 348 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide a legible copy of the final application, as the current document is unclear and not readable. 08/20/2026: Resolved. Received the signed 1003 that is illegible and a clear unsigned copy that was sent to closing. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of wire transfer or check for the gift amount $157,000.00. 08/28/2026 Resolved : The copy of wire transfer resolves the condition. |
Single Family | 08/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 798 | XX | 2.75 | $206,531.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.135% | No | Alternative | QC Complete | 08/18/2026 | |||||||
| 351 | XX | XX | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | ||||||||||||
| 353 | XX | XX | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 77.419% | 77.419% | Primary | Cash Out | 768 | 0.58 | XX | 0.25 | $5,249.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$85,977.03 | 49.503% | Full Documentation | QC Complete | 08/27/2026 | |||||||
| 354 | XX | XX | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplemental report of title with lender name ISAOA/ATIMA. Amount of title insurance is not sufficient to cover the loan amount. 08/31/2026 Resolved : The copy of updated supplemental report resolves the condition. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.545% Allowed 8.220% Overby +1.325% This loan is compliant with regulation 1026.35. |
Single Family | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 721 | XX | 8.5 | $6,774.00 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
44.680% | No | Alternative | QC Complete | 08/25/2026 | |||||||
| 361 | XX | XX | XX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated Note with co-borrower's signature 08/14/2026: Countered. All borrowers on the loan must sign the Note. The guideline only states that Borrowers on the application must represent no less than 51% ownership of the business entity. All borrowers making up the 51%+ ownership of the business entity must be listed as borrowers on the transaction. 09/03/2026 Resolved : The copy of Note with co-borrower sign resolves the condition. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/12/2026 | |||||||||||
| 362 | XX | XX | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.341% Allowed 8.210% Overby +0.131% This loan is compliant with regulation 1026.35. |
Single Family | 08/XX/2026 | 73.783% | 73.783% | Primary | Purchase | 757 | XX | 7.58 | $5,614.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.974% | Yes | Alternative | QC Complete | 08/31/2026 | |||||||
| 367 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 09/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/09/2026 | ||||||||||||
| 368 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 814 | XX | 7.5 | $21,666.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.756% | No | Full Documentation | QC Complete | 08/12/2026 | ||||||||
| 369 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary Valuation for the subject property XX 08/21/2026 Resolved : The copy of CDA resolves the condition. *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX 08/19/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the November 2025 bank statement for XX account ending in #XX. 08/20/2026: Resolved. Received bank statement *** (CURED) Required Documentation Missing - EV R COMMENT: Provide copies of the payoff statements for the mortgage accounts ending in XX 08/20/2026: Resolved. The mortgages were omitted from the liabilities as paid by the borrower's business, not paid off. |
PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Refinance | 768 | 0.42 | XX | 4.83 | $67,579.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.480% | Alternative | QC Complete | 08/12/2026 | |||||||
| 370 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 43.668% | 43.668% | Investor | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/14/2026 | ||||||||||||
| 372 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 39.487% | 39.487% | Primary | Cash Out | 653 | 2.08 | XX | 1.58 | $7,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$89,112.29 | 49.463% | Full Documentation | QC Complete | 08/27/2026 | |||||||
| 373 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 69.841% | 69.841% | Primary | Purchase | 786 | XX | 5.58 | $57,073.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.472% | No | Alternative | QC Complete | 08/13/2026 | ||||||||
| 375 | XX | XX | XX | Idaho | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Business purpose certificate. 09/02/2026 Resolved : The copy of Business Purpose Loan Certificate resolves the condition. |
PUD | 08/XX/2026 | 71.429% | 71.429% | Investor | Purchase | 711 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/31/2026 | |||||||||||
| 378 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 63.942% | 63.942% | Primary | Cash Out | 703 | 0.5 | XX | 0.83 | $6,480.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$117,273.10 | 43.536% | Full Documentation | QC Complete | 08/12/2026 | |||||||
| 380 | XX | XX | XX | South Dakota | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for LLC not owned by the borrowers living trust. Exception approval present. |
DSCR Ratio : 1.125 DSCR exceeds the minimum guideline of 1.00 Credit Score : 702 exceeds the minimum guideline requirement of 700 |
Single Family | 05/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 702 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$33,682.86 | Alternative | QC Complete | 08/18/2026 | ||||||||||
| 381 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 61.244% | 61.244% | Primary | Cash Out | 709 | 25.83 | XX | 4.58 | $12,245.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$204,168.45 | 34.424% | Alternative | QC Complete | 08/31/2026 | |||||||
| 384 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 722 | XX | 7.58 | $10,405.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.317% | No | Alternative | QC Complete | 08/25/2026 | ||||||||
| 387 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The preliminary title report does not reflect the insured coverage amount of $XX. Provide a copy of the supplemental title report. 08/17/2026: Resolved. Received updated title |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: vesting in XX where the member of the LLC is the borrowers trust - XX Loan Exception present |
60.733 months reserves
exceed the minimum guideline of 6 months. 732 exceeds the minimum guideline requirement of 660 LTV of 80.00% is equal to the maximum guideline requirement of 75%. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 732 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/29/2026 | |||||||||
| 388 | XX | XX | XX | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/19/2026: Resolved. Received Business Purpose |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | |||||||||||
| 389 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 71.631% | 71.631% | Primary | Purchase | 807 | $14,174.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.660% | No | Alternative | QC Complete | 08/13/2026 | ||||||||||
| 392 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: REO section reflects the borrowers Investment Property (XX) as primary housing, creating an occupancy discrepancy. Provide a corrected and fully executed 1003 updating the occupancy status from Primary Residence to Investment. 08/28/2026 Resolved : The copy of updated 1003 resolves the condition. |
PUD | 08/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 672 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | |||||||||||
| 393 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documentation for the HOA dues, property taxes, and/or hazard insurance in the amount of $443.00 for the subject property located at XX 08/17/2026: Resolved. Received letter stating borrower has no ownership on the property. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting documentation for the HOA dues, property taxes, and/or hazard insurance in the amount of $369.00 for the subject property located at XX 08/14/2026: Resolved. Received LOE from borrower stating no ownership interest in the property it is the sole owner of brother XX. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing to waive the 5% down payment requirement from borrower own funds with an LTV of 85% Vs 80%. Exception approval is present. |
Credit Score : 765 exceeds the minimum guideline requirement of
700 Low LTV: LTV of 85% is less than the maximum guideline requirement of 90%. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
Single Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 765 | XX | 2.75 | $23,267.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.642% | No | Alternative | QC Complete | 07/29/2026 | |||||
| 394 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$509,424.15 | Alternative | QC Complete | 08/28/2026 | ||||||||||||
| 395 | XX | XX | XX | Utah | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The co-borrower's ownership interest in the business is 20%, which does not meet the guideline requirement of greater than 25% ownership. A copy of an exception approval letter is in the loan file. |
FICO: 749 exceeds the minimum FICO requirement of 720. LTV: 80.00% is lower than the maximum guideline requirement of 90.00%. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 749 | XX | 4.25 | $18,923.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.087% | No | Alternative | QC Complete | 10/26/2026 | ||||||
| 398 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/27/2026 | ||||||||||||
| 399 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 784 | XX | 11.5 | $29,303.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.720% | Yes | Alternative | QC Complete | 08/13/2026 | ||||||||
| 400 | XX | XX | XX | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 778 | XX | 12 | $40,199.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.227% | No | Full Documentation | QC Complete | 08/28/2026 | ||||||||
| 404 | XX | XX | XX | Illinois | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide sufficient asset documents to cover the reserves. (Available total reserve = $8,131.71, required reserves = 13,103.76, therefore required asset = $4,972.05.). 09/03/2026 Resolved : Resolved as the assets are not required for the refi transaction meeting the guide requirement. |
PUD | 08/XX/2026 | 69.789% | 69.789% | Primary | Refinance | 808 | 2.16 | XX | 5.08 | $24,644.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.804% | Alternative | QC Complete | 08/25/2026 | |||||||
| 406 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 79.365% | 79.365% | Primary | Refinance | 747 | 5 | XX | 5.66 | $83,072.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.472% | Alternative | QC Complete | 09/09/2026 | ||||||||
| 407 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 76.471% | 76.471% | Secondary | Refinance | 740 | XX | 23.83 | $1,120,962.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
1.630% | Alternative | QC Complete | 09/10/2026 | |||||||||
| 408 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX. Provide a copy of replacement cost estimator is being covered by the dwelling. 08/28/2026 Resolved : The copy of RCE resolves the condition. |
PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 759 | XX | 4.5 | $18,904.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.626% | No | Alternative | QC Complete | 08/25/2026 | |||||||
| 409 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 60.000% | 60.000% | Primary | Purchase | 675 | XX | 11.83 | $145,096.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.683% | No | Alternative | QC Complete | 08/27/2026 | ||||||||
| 413 | XX | XX | XX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/18/2026: Resolved. Received Business Purpose |
2 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 769 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | |||||||||||
| 420 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a corrected copy of the 1003 form for the REO located at XX wherein lease agreement reflects as XX 08/31/2026 Resolved : The copy of updated 1003 resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the supporting document from XX for the $170.00 payment 08/28/2026 Resolved : The copy of solar lease resolves the condition. |
Single Family | 08/XX/2026 | 70.464% | 70.464% | Primary | Purchase | 691 | XX | 21.5 | $19,555.11 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
44.980% | No | Alternative | QC Complete | 08/25/2026 | |||||||
| 421 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/09/2026 | ||||||||||||
| 428 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Business Purpose Loan Certificate, as it is missing. 09/02/2026 Resolved : The copy of Business Purpose Loan Certificate resolves the condition. |
Single Family | 08/XX/2026 | 67.660% | 67.660% | Investor | Refinance | 743 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/28/2026 | ||||||||||||
| 429 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | ||||||||||||
| 431 | XX | XX | XX | Arkansas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 786 | $11,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.962% | No | Alternative | QC Complete | 08/13/2026 | ||||||||||
| 432 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 794 | XX | 2.5 | $19,706.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.231% | No | Alternative | QC Complete | 09/09/2026 | ||||||||
| 435 | XX | XX | XX | Oklahoma | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Business Purpose & Occupancy Affidavit -
EV R COMMENT: Provide a copy of Business Purpose Loan Certificate. 09/03/2026 Resolved : The copy of Business Purpose Loan Certificate resolves the condition. |
2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 805 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/31/2026 | ||||||||||||
| 442 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 60.000% | 60.000% | Primary | Purchase | 730 | XX | 8.25 | $42,392.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.763% | Yes | Alternative | QC Complete | 10/26/2026 | ||||||||
| 445 | XX | XX | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 52.632% | 52.632% | Primary | Purchase | 733 | XX | 11.58 | $15,544.47 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.532% | No | Alternative | QC Complete | 09/10/2026 | ||||||||
| 448 | XX | XX | XX | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 62.842% | 62.842% | Investor | Cash Out | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$107,533.28 | Alternative | QC Complete | 08/18/2026 | ||||||||||||
| 450 | XX | XX | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 769 | XX | 7.5 | $7,500.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.337% | No | Alternative | QC Complete | 08/31/2026 | ||||||||
| 451 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: The title report is missing ender loss payee clause verbiage. 08/25/2026 Resolved : Resolved as the texas form T-2 covers the requirement for verbiage. |
PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 724 | XX | 11.16 | $205,596.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.295% | No | Alternative | QC Complete | 10/26/2026 | |||||||
| 456 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 58.824% | 58.824% | Investor | Cash Out | 746 | XX | 8.58 | $50,874.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$229,286.57 | 11.553% | Alternative | QC Complete | 08/13/2026 | ||||||||
| 457 | XX | XX | XX | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 65.000% | 65.000% | Investor | Purchase | 803 | XX | 18.33 | $10,491.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.856% | No | Full Documentation | QC Complete | 08/27/2026 | ||||||||
| 460 | XX | XX | XX | New York | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Title vested as LLC ,as per lender guideline vesting in the name of LLC is not permitted. 09/01/2026 Resolved :Resolved as lender guideline allows LLC. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 770 | XX | 12.58 | $22,271.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.452% | No | Full Documentation | QC Complete | 10/26/2026 | |||||||
| 462 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 788 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/21/2026 | ||||||||||||
| 463 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 767 | XX | 5.41 | $10,804.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.313% | No | Full Documentation | QC Complete | 10/26/2026 | ||||||||
| 467 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 794 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | ||||||||||||
| 468 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 46.000% | 46.000% | Investor | Cash Out | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$77,477.83 | Alternative | QC Complete | 09/09/2026 | ||||||||||||
| 479 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 54.717% | 54.717% | Primary | Purchase | 809 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | ||||||||||||
| 480 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The title insurance amount reflected in the file ($XX) is less than the mortgage loan amount ($XX0). Provide a copy of the Title Supplemental Report. 08/19/2026: Resolved. Received updated title |
PUD | 07/XX/2026 | 33.478% | 33.478% | Primary | Cash Out | 721 | 6.16 | XX | 6.25 | $9,297.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$65,685.32 | 42.992% | Alternative | QC Complete | 08/13/2026 | ||||||
| 481 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 54.545% | 54.545% | Primary | Cash Out | 758 | 29.08 | $14,800.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$587,736.52 | 42.570% | Alternative | QC Complete | 08/27/2026 | |||||||||
| 483 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title issue - EV R COMMENT: Provide proof of satisfaction or release of the judgments listed as Title Commitment Requirements #9 and #10, including: #9: XXjudgment in the principal amount of $XX, recorded 10/XX/2020, Recording No. XX7. #10: XX judgment in the principal amount of $XX recorded 12/XX/2020, Recording No. XX 08/21/2026 Resolved : The copy of court order for the both the liens resolves the condition. |
PUD | 08/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 774 | XX | 0.16 | $28,186.06 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.439% | No | Full Documentation | QC Complete | 10/26/2026 | |||||||
| 484 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 734 | 7.41 | XX | 3.83 | $4,343.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$13,608.53 | 43.018% | Alternative | QC Complete | 08/13/2026 | |||||||
| 485 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 70.000% | 70.000% | Investor | Cash Out | 707 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$124,262.67 | Alternative | QC Complete | 08/17/2026 | ||||||||||||
| 488 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 749 | XX | 11.92 | $34,973.88 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.340% | No | Full Documentation | QC Complete | 08/26/2026 | ||||||||
| 491 | XX | XX | XX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 662 | XX | 30.5 | $80,299.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.148% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 495 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/27/2026 | ||||||||||||
| 497 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 09/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 782 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/10/2026 | ||||||||||||
| 498 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Business Purpose Loan Certificate. 08/18/2026: Countered. loan was done as a XX. Guidelines section; 8. Required Documentation:The following documentation is required • Complete schedule of all real estate owned, indicating financed and free and clear properties • Mortgage/lien rating for each financed property • Business Purpose Loan Certification, signed by borrower(s) o Cash in hand must comply with this disclosure • Occupancy Certification, signed by the borrower(s) o Occupancy of the subject property by borrower or borrower’s family member is not permitted 08/28/2026 Resolved - The copy of Business Purpose Loan Certificate resolves the condition. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/29/2026 | |||||||||||
| 501 | XX | XX | XX | Missouri | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Provide photographs of the rental comparables referenced in the appraisal, as the rental comp photos are missing. 08/31/2026 Resolved : The copy of comparables resolves the condition. |
2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 727 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/26/2026 | |||||||||||
| 502 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 797 | XX | 10.08 | $12,746.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.625% | Yes | Alternative | QC Complete | 08/27/2026 | ||||||||
| 504 | XX | XX | XX | Louisiana | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of purchase addendum with a sales price of $XX. 09/09/2026; Resolved. Received purchase addendum *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Tax cert for address XX, as it is missing in file. 09/09/2026: Resolved. Received copy of tax cert |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: 9 NFS's In the most recent 12 months in XX account ending in XX. Loan Exception present |
727 exceeds the minimum guideline requirement of 640. DTI of 12.29% is less than the maximum guideline requirement of 50%. LTV of 80% is equal guideline requirement of 80%. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 727 | XX | 7.08 | $77,314.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
12.313% | No | Alternative | QC Complete | 08/28/2026 | |||||
| 506 | XX | XX | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/14/2026 | ||||||||||||
| 508 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 767 | $9,594.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.348% | Yes | Alternative | QC Complete | 08/28/2026 | ||||||||||
| 512 | XX | XX | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary valuation. 08/20/2026: Resolved. Received copy of Collateral Desktop Analysis *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.042% Allowed 8.020% Overby +0.022% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Title report or title supplement with Mortgagee clause. 08/28/2026 Resolved : The copy of updated title supplement resolves the condition. |
Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 673 | 3 | XX | 6 | $5,957.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$265,569.05 | 41.034% | Alternative | QC Complete | 08/13/2026 | ||||||
| 514 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 40.726% | 40.726% | Primary | Cash Out | 793 | 33 | XX | 33.33 | $9,725.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$62,596.79 | 27.111% | Alternative | QC Complete | 09/10/2026 | |||||||
| 516 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 54.054% | 54.054% | Primary | Purchase | 727 | XX | 15.25 | $13,070.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.598% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 519 | XX | XX | XX | North Carolina | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide a Letter of Explanation (LOE) for why the mortgage account XX ending in XX appears on the credit report but is not included in the final 1003 REO section. 08/28/2026 Resolved : The copy of LOE and application resolves the condition. *** (CURED) Quality of Appraisal Report Unacceptable - EV R COMMENT: Provide a copy of 1007 as it is missing. Even though the program is short-term rental, we need either form 1007 or STR analysis on the appraisal report. 08/27/2026 Resolved : Resolved as 1007 is not required short term rental. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing 5% LTV over the max allowed of 70%.For short-term rental guideline allows upto maximum 75%.However, loan LTV is 75%. Exception approval is present. |
Credit Score : 761 exceeds the minimum guideline requirement of
720 DSCR Ratio : 1.230 DSCR exceeds the minimum guideline of 0.50 0*30 mortgage rating since 6/17 - Excellent credit depth. Reserve : 35.707 months reserves exceed the minimum guideline of 6 months. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$138,767.53 | Alternative | QC Complete | 08/13/2026 | |||||||||
| 521 | XX | XX | XX | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Business Purpose Loan Certification, signed by borrower. 08/28/2026 Resolved : The copy of Business Purpose Loan Certification resolves the condition. |
Single Family | 08/XX/2026 | 63.277% | 63.277% | Investor | Refinance | 729 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 10/26/2026 | ||||||||||||
| 523 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 809 | $13,800.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.020% | No | Alternative | QC Complete | 08/26/2026 | ||||||||||
| 525 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 84.138% | 84.138% | Investor | Purchase | 760 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | ||||||||||||
| 531 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Feb 2026 statement for the account XX 08/19/2026: Countered. Still need Feb 2026 statement for XX. Document received is for June 2026. 08/21/2026 Countered : The bank statement received is for XX, provide Feb 2026 statement for XX 08/27/2026 Resolved : The copy of Feb 2026 statement for XX resolves the condition. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 794 | XX | 4.42 | $9,880.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.019% | No | Alternative | QC Complete | 08/14/2026 | |||||||
| 533 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 76.610% | 76.610% | Primary | Refinance | 764 | 0.08 | XX | 7.5 | $18,035.32 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.833% | Alternative | QC Complete | 08/26/2026 | ||||||||
| 534 | XX | XX | XX | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Provide a copy of 1007 for the subject property address : XX 09/08/2026: Resolved. Rental income was not used to qualify on the subject. No 1007 required. |
Single Family | 08/XX/2026 | 40.000% | 40.000% | Investor | Cash Out | 774 | XX | 3.83 | $10,886.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$19,580.83 | 38.436% | Full Documentation | QC Complete | 08/28/2026 | |||||||
| 537 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 60.000% | 60.000% | Primary | Cash Out | 660 | 22 | XX | 3.92 | $18,805.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$296,468.54 | 45.517% | Alternative | QC Complete | 08/13/2026 | |||||||
| 542 | XX | XX | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 544 | XX | XX | XX | North Carolina | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Reserves - HOA has 41% of operating expenses in funded reserves vs. the required 50% for no reserve contribution Insufficient fidelity - short $21,689 or $43/unit/month for 1 year Exception Approval Present. |
Low LTV: LTV of 72.47% is less than the maximum guideline
requirement of 85%. Low DTI : DTI of 44.46% is less than the maximum guideline requirement of 50%. Credit Score : 801 exceeds the minimum guideline requirement of 700 |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 72.468% | 72.468% | Primary | Purchase | 801 | $2,660.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.463% | Yes | Alternative | QC Complete | 08/18/2026 | ||||||||
| 547 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 748 | XX | 3 | $14,300.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.908% | No | Alternative | QC Complete | 08/13/2026 | ||||||||
| 548 | XX | XX | XX | Indiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Amount of Title Insurance $XX is less than mortgage amount $XX. Provide a copy of supplemental report. 08/21/2026 Resolved: The copy of final title policy resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final application correcting the REO section to reflect the accurate creditor names and account numbers for the following properties: XX 08/26/2026 Resolved : The copy of updated 1003 resolves the condition. |
Single Family | 07/XX/2026 | 74.857% | 74.857% | Primary | Cash Out | 806 | 10 | XX | 16.16 | $17,894.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$256,748.26 | 31.550% | Alternative | QC Complete | 08/18/2026 | ||||||
| 550 | XX | XX | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) XX TRID Tolerance Test is Incomplete - EV R COMMENT: Missing Initial Loan Estimate. Not Resolved 8/18/2026: Received LE dated 7/XX/2026, instead of Initial LE. 17/XX/2026 already available in loan package and updated. Resolved 8/20/2026: Received Initial Loan Estimate. dated 07/XX/2026 and exception is cleared *** (CURED) Required Documentation Missing - EV R COMMENT: Loan processor's signature is missing from the VVOE.Provide an executed copy of the VVOE for borrower XX from XX 08/21/2026 Resolved : The copy of VVOE resolves the condition. |
Single Family | 08/XX/2026 | 49.861% | 49.861% | Primary | Purchase | 784 | XX | 2.91 | $4,121.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.503% | No | Full Documentation | QC Complete | 08/13/2026 | |||||||
| 551 | XX | XX | XX | Hawaii | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for Co-borrower as non-permanent resident alien for an investment purchase. B2 is married to B1 who is a US citizen. A copy of an exception approval letter is available in the loan file. |
FICO: 771 FICO exceeds the guideline requirement of 700. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. DTI: 47.41% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 771 | XX | 16.58 | $22,201.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.407% | No | Alternative | QC Complete | 10/26/2026 | ||||||
| 553 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 736 | XX | 4 | $527,951.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
2.474% | No | Alternative | QC Complete | 10/26/2026 | ||||||||
| 555 | XX | XX | XX | Missouri | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 804 | XX | 18.58 | $51,302.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.498% | No | Alternative | QC Complete | 08/13/2026 | ||||||||
| 556 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 82.824% | 82.824% | Primary | Purchase | 792 | $8,626.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.151% | Yes | Alternative | QC Complete | 08/18/2026 | ||||||||||
| 557 | XX | XX | XX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 49.612% | 49.612% | Primary | Purchase | 787 | $2,796.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.566% | No | Full Documentation | QC Complete | 08/14/2026 | ||||||||||
| 563 | XX | XX | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 09/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 782 | XX | 5.33 | $12,251.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.879% | No | Alternative | QC Complete | 09/10/2026 | ||||||||
| 565 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide copies of the XX bank statements for August 2024 and October 2024 for the account ending in #XX. 09/09/2026; Resolved. Received bank statements |
Single Family | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 751 | XX | 3.75 | $17,750.36 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
31.040% | No | Alternative | QC Complete | 08/26/2026 | |||||||
| 567 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 63.492% | 63.492% | Primary | Purchase | 801 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | ||||||||||||
| 570 | XX | XX | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 731 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/28/2026 | ||||||||||||
| 571 | XX | XX | XX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception is for excessive NSFs exceeding the guideline. A copy of an exception approval letter is available in the loan file. |
FICO: 729 FICO exceeds the guideline requirement of 640. DTI: 32.75% DTI is less than the maximum guideline requirement of 50.00%. LTV: 42.85% LTV is less than the guideline requirement of 70.00%. |
Co-op | 08/XX/2026 | 42.857% | 42.857% | Primary | Cash Out | 729 | 20 | XX | 27.5 | $32,545.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$295,489.28 | 32.754% | Alternative | QC Complete | 10/26/2026 | |||||
| 574 | XX | XX | XX | Oregon | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception to use 100% business assets A copy of an exception approval letter is available in the loan file. |
DTI: 24.20% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 785 FICO exceeds the guideline requirement of 700. |
Single Family | 08/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 785 | XX | 2.92 | $132,416.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.349% | Yes | Alternative | QC Complete | 08/28/2026 | ||||||
| 576 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 579 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Refinance | 723 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/18/2026 | |||||||||||||
| 580 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 60.000% | 60.000% | Investor | Refinance | 755 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 09/10/2026 | |||||||||||||
| 586 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 824 | XX | 20.42 | $273,051.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.146% | No | Alternative | QC Complete | 08/28/2026 | ||||||||
| 587 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 35.088% | 35.088% | Primary | Cash Out | 662 | 30 | XX | 9.58 | $10,190.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$70,501.73 | 9.507% | Alternative | QC Complete | 08/31/2026 | |||||||
| 589 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Quality of Appraisal Report Unacceptable - EV R COMMENT: Provide a copy of the appraiser’s license, as it is missing from the file. 08/20/2026: Resolved. Received license *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Business Purpose loan certification. 08/18/2026: Resolved. Received Business Purpose |
4 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 760 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | |||||||||||
| 590 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a corrected and fully executed Final 1003 to update the REO section, as the borrower’s current primary residence is incorrectly reflected as an Investment Property, creating an occupancy discrepancy. The occupancy status should be updated to Primary Residence. 08/27/2026 Resolved : The copy of updated 1003 resolves the condition. |
2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/18/2026 | |||||||||||
| 597 | XX | XX | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/31/2026 | ||||||||||||
| 598 | XX | XX | XX | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/28/2026 Resolved : The copy of Business purpose & occupancy affidavit resolves the condition. |
2 Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 781 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | |||||||||||
| 600 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 727 | 1.5 | XX | 5.25 | $44,350.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$160,908.43 | 25.776% | Alternative | QC Complete | 08/18/2026 | |||||||
| 603 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | ||||||||||||
| 605 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Refinance | 745 | 1.66 | XX | 3 | $18,715.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.674% | Alternative | QC Complete | 08/31/2026 | ||||||||
| 607 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | ||||||||||||
| 608 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 29.868% | 29.868% | Investor | Cash Out | 780 | XX | 9.66 | $33,578.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$3,436.27 | 40.356% | Alternative | QC Complete | 08/31/2026 | ||||||||
| 609 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 09/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 732 | XX | 4.42 | $45,128.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.295% | No | Alternative | QC Complete | 10/26/2026 | ||||||||
| 611 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 722 | XX | 25.5 | $18,553.02 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
33.374% | Yes | Alternative | QC Complete | 09/10/2026 | ||||||||
| 612 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 722 | XX | 6.42 | $22,601.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.569% | No | Alternative | QC Complete | 09/10/2026 | ||||||||
| 613 | XX | XX | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/19/2026: Resolved. Received Business Purpose |
Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$121,387.16 | Alternative | QC Complete | 08/14/2026 | |||||||||||
| 614 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.268% | 75.268% | Secondary | Cash Out | 728 | XX | 7.5 | $202,388.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$400,858.17 | 7.216% | Alternative | QC Complete | 08/26/2026 | ||||||||
| 618 | XX | XX | XX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/14/2026 | ||||||||||||
| 620 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 780 | XX | 7.25 | $31,923.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.045% | No | Alternative | QC Complete | 08/18/2026 | ||||||||
| 622 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 803 | XX | 44.83 | $5,423.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.325% | Yes | Alternative | QC Complete | 08/14/2026 | ||||||||
| 623 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 818 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/10/2026 | ||||||||||||
| 624 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The Title amount of $XX is not sufficient to cover the loan amount of $XX. Provide a copy of title supplement report with sufficient title policy to cover the loan amount. 08/25/2026 Resolved: the copy of updated title report resolves the condition. |
Single Family | 08/XX/2026 | 77.478% | 77.478% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/18/2026 | |||||||||||
| 629 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 728 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
$27,521.77 | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 632 | XX | XX | XX | North Dakota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 09/XX/2026 | 41.176% | 41.176% | Primary | Purchase | 762 | XX | 1.58 | $16,666.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
16.912% | No | Full Documentation | QC Complete | 09/11/2026 | ||||||||
| 633 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 42.085% | 42.085% | Primary | Cash Out | 684 | 34.42 | XX | 2.5 | $78,523.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$205,126.21 | 3.780% | Alternative | QC Complete | 08/14/2026 | |||||||
| 642 | XX | XX | XX | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide proof of payment, cancellation, and satisfaction for the mortgage in the amount of $XX, recorded on June XX, 2025, as Instrument No. XX 08/31/2026 Countered : Provide proof of seller's lien was paid off at closing. 09/04/2026 Resolved : The borrower CD, the title showing pay off resolves the condition. |
2 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/26/2026 | |||||||||||
| 644 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 677 | XX | 4.58 | $25,944.72 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.779% | No | Alternative | QC Complete | 08/28/2026 | ||||||||
| 647 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 737 | XX | 3.16 | $873,566.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
0.994% | Yes | Alternative | QC Complete | 09/11/2026 | ||||||||
| 648 | XX | XX | XX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 789 | XX | 14.16 | $57,104.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.664% | No | Alternative | QC Complete | 08/18/2026 | ||||||||
| 649 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Secondary | Purchase | 794 | XX | 27.92 | $39,208.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.046% | No | Full Documentation | QC Complete | 09/10/2026 | ||||||||
| 650 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 774 | XX | 2.17 | $22,434.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.622% | No | Alternative | QC Complete | 09/10/2026 | ||||||||
| 652 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of Replacement Cost Estimate. Amount of hazard insurance is not sufficient to cover the loan amount. 08/10/2026: Countered. Proof of extended coverage is needed to cover up to loan amount $XX 09/10/2026: Resolved. Received updated HOI |
2 Family | 06/XX/2026 | 79.523% | 79.523% | Investor | Refinance | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/16/2026 | ||||||||||||
| 655 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 60.000% | 60.000% | Primary | Purchase | 810 | XX | 6.58 | $8,211.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.938% | No | Alternative | QC Complete | 08/31/2026 | ||||||||
| 657 | XX | XX | XX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 701 | XX | 10.58 | $34,713.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.774% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 659 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 664 | XX | XX | XX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The subject property ZIP code on the appraisal does not match the Note. The Note reflects ZIP code XX, while the appraisal reflects ZIP code XX. 08/24/2026 Resolved : The copy of updated appraisal resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an LOX stating borrower is staying rent free in the property XX 08/20/2026: Resolved. Borrower is not a FTHB and meets guidelines. No rent free letter required |
4 Family | 08/XX/2026 | 84.956% | 84.956% | Investor | Purchase | 807 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2026 | |||||||||||
| 666 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 69.226% | 69.226% | Primary | Refinance | 766 | 1.25 | XX | 16.58 | $65,051.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.615% | Alternative | QC Complete | 08/28/2026 | ||||||||
| 667 | XX | XX | XX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide tax cert for the REO proeprty "XX". 08/31/2026 Resolved : The copy of tax sheet resolved the condition. |
PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 806 | $25,391.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.024% | No | Alternative | QC Complete | 08/25/2026 | |||||||||
| 668 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplement which should cover the loan amount. 08/31/2026 Resolved : The copy of updated Title supplement resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Business Purpose Loan Cert & Occupancy Cert signed by the borrower. 08/28/2026 Resolved : The copy of Business Purpose Loan Cert & Occupancy Cert resolves the condition. |
4 Family | 08/XX/2026 | 46.525% | 46.525% | Investor | Cash Out | 695 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$86,248.78 | Alternative | QC Complete | 08/25/2026 | |||||||||||
| 670 | XX | XX | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 740 | 7 | XX | 9.75 | $23,132.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$125,383.32 | 37.674% | Alternative | QC Complete | 09/04/2026 | |||||||
| 674 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 72.327% | 72.327% | Primary | Purchase | 751 | $7,313.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.893% | No | Alternative | QC Complete | 08/18/2026 | ||||||||||
| 675 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 793 | $6,676.17 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
44.265% | No | Full Documentation | QC Complete | 09/10/2026 | ||||||||||
| 680 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of master policy. 08/19/2026: Resolved. Received master policy |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 74.105% | 74.105% | Primary | Refinance | 794 | 4.92 | XX | 2.16 | $57,838.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.026% | Full Documentation | QC Complete | 08/13/2026 | |||||||
| 681 | XX | XX | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 788 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/26/2026 | ||||||||||||
| 687 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting to use 80% of business Assets for XX #XX Exception approval present |
778 exceeds the minimum guideline requirement of 700 Low DTI : DTI of 39.17% is less than the maximum guideline requirement of 50%. Residual Income : $19,636.67 monthly ( Calculate it Total income - Total obligation) |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 778 | XX | 2.58 | $32,280.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.169% | No | Alternative | QC Complete | 08/13/2026 | ||||||
| 690 | XX | XX | XX | Kentucky | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount $270,000 is not sufficient to cover loan amount of $XX, Provide a copy of replacement cost estimator. 06/18/2026: Counter: Dwelling coverage of $XX on the HOI policy is insufficient to cover the loan amount of $XX as well as the total Estimate of cost new of $XX as mentioned under the Cost approach section of form 1004. 06/25/2026: Countered. Dwelling coverage of $XX0 on the HOI policy is insufficient to cover the loan amount of $XX as well as the total Estimate of cost new of $XX1 as mentioned under the Cost approach section of form 1004. 07/23/2026 Resolved: The copy of RCE letter resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated march month statement from 23 to 31 for the account "XX" as it is missing. 08/24/2026 Countered: The copy of bank statement for the month of march does not clear the condition as it is only for 22 days ending on 22nd March. Provide bank covering the full 31 days of the month ( additional days from 23rd March to 31st March). 08/25/2026 Resolved : The copy of combined bank statement resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Property address incorrect.Provide an updated hazard insurance for REO property "XX" 07/02/2026: Property address should be XX 07/06/2026 Resolved: the copy of hazard insurance for REO property address "XX" resolves the condition. |
Single Family | 05/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 752 | 0.5 | XX | 9.42 | $80,980.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$54,050.94 | 32.531% | Alternative | QC Complete | 06/08/2026 | ||||||
| 692 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide evidence supporting the $248 monthly amount reported for taxes, insurance, and HOA associated with the property located at XX 08/20/2026: Resolved. Received proof of tax and HOA |
PUD | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 760 | XX | 3.5 | $13,956.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.633% | No | Alternative | QC Complete | 08/13/2026 | |||||||
| 694 | XX | XX | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | XX | 11.17 | $9,290.26 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
31.615% | No | Alternative | QC Complete | 10/26/2026 | ||||||||
| 696 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The preliminary title report does not reflect the title insurance coverage amount of $XX, and the IOSAO clause is missing. provide a copy of the supplemental title report. 08/28/2026 Resolved : The copy of supplemental report resolves the condition. |
3 Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 744 | XX | 8.58 | $258,812.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.969% | No | Alternative | QC Complete | 08/17/2026 | |||||||
| 698 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 695 | XX | 11.25 | $26,745.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.654% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 704 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/26/2026 | ||||||||||||
| 705 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 55.629% | 55.629% | Investor | Cash Out | 707 | XX | 22.08 | $222,118.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$373,101.25 | 5.753% | Alternative | QC Complete | 09/11/2026 | ||||||||
| 706 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Gift $255,000.00 source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received) 09/08/2026: Resolved. Received incoming wire alert for $XX *** (CURED) Required Documentation Missing - EV R COMMENT: Provide documentation supporting the exclusion of the XX debt from the borrower’s DTI calculation. 9/9/2026: Resolved. Mortgage paid by other. Bank statement provided for proof. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 743 | XX | 4 | $12,480.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.147% | No | Alternative | QC Complete | 08/31/2026 | |||||||
| 717 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 813 | XX | 3.83 | $36,513.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.169% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 719 | XX | XX | XX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title Supplement to cover the loan amount. 08/20/2026: Resolved. Received updated title *** (CURED) XX TILA Test Failed - EV R COMMENT: The final CD reflects a disbursement date of 08/XX/2026, which is the same as the cancellation date reflected on the ROR document. Provide the corrected disbursement date. Resolved 8/20/2026: Received PCCD dated 8/XX/2026 with updated Disbursement date 8/XX/2026 and exception is cleared |
Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 650 | 5 | XX | 1.25 | $6,186.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$127,341.44 | 44.717% | Full Documentation | QC Complete | 08/13/2026 | ||||||
| 720 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 72.917% | 72.917% | Investor | Refinance | 718 | XX | 3.66 | $11,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.799% | Full Documentation | QC Complete | 08/25/2026 | |||||||||
| 722 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 715 | XX | 22.33 | $25,839.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.624% | No | Alternative | QC Complete | 08/13/2026 | ||||||||
| 724 | XX | XX | XX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 722 | XX | 7.58 | $10,405.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$62,917.21 | 34.411% | Alternative | QC Complete | 08/25/2026 | ||||||||
| 730 | XX | XX | XX | Connecticut | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Final CD disbursement date 08/XX/2026 and Final CD Borrower Signature date 08/XX/2026, Need correct disbursement date. Resolved 09/03/2026: Received Final Closing Disclosure dated 08/19/2026 and exception is cleared. *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: The loan does not meet the applicable guideline for mortgage payment history, which allows no more than 1 × 30-day late payment within the most recent 12 months (1 × 30 × 12). The borrower’s payment history exceeds the allowable limit. 09/08/2026: Resolved. Received 12 month current payment history. |
PUD | 08/XX/2026 | 89.900% | 89.900% | Primary | Purchase | 760 | XX | 20.42 | $27,321.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.317% | No | Full Documentation | QC Complete | 10/26/2026 | |||||||
| 731 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.018% Allowed 8.030% Overby +0.988% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide updated hazard insurance for the subject property, as the current policy expired on 7/25/2026. The updated policy must include the correct mortgagee clause and coverage amount equal to the loan amount or show 100% replacement cost coverage. 09/08/2026: Resolved. Received updated HOI |
Single Family | 08/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 644 | 23 | XX | 7.66 | $12,168.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$127,288.83 | 22.580% | Alternative | QC Complete | 08/26/2026 | ||||||
| 733 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 70.000% | 70.000% | Primary | Refinance | 803 | 0.5 | XX | 11.08 | $309,363.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Mortgage |
7.828% | Alternative | QC Complete | 08/17/2026 | ||||||||
| 735 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a supporting document for the solar panels payment of $207.3 08/28/2026 Resolved : The copy of solar lease resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for Less than 2 years self-employed at 80% LTV. Borrower’s business XX originated on 9/XX/2024. A copy of an exception approval letter is available in the loan file. |
DTI: 34.15% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 17 months of available reserves are more than the guideline requirement of 3 months. FICO: 756 FICO exceeds the guideline requirement of 700. |
PUD | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 756 | XX | 1.92 | $14,645.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.151% | Yes | Alternative | QC Complete | 08/25/2026 | |||||
| 737 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 47.794% | 47.794% | Primary | Cash Out | 734 | 3 | XX | 3.58 | $36,324.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$998,909.31 | 33.026% | Alternative | QC Complete | 08/25/2026 | |||||||
| 738 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 711 | XX | 0.75 | $2,910.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.806% | No | Full Documentation | QC Complete | 08/17/2026 | ||||||||
| 740 | XX | XX | XX | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception is for condo less than 500 square foot and having no bedroom. Exception Approval Present. |
Credit Score : 767 exceeds the minimum guideline requirement of
720. Low LTV: LTV of 80% is less than the maximum guideline requirement of 85%. Low DTI : DTI of 24.71% is less than the maximum guideline requirement of 50%. |
High Rise Condo (>=9 Stories) | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 767 | XX | 10.58 | $105,428.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.727% | No | Alternative | QC Complete | 08/28/2026 | ||||||
| 742 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 79.880% | 79.880% | Investor | Purchase | 737 | XX | 6.58 | $11,091.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.672% | No | Alternative | QC Complete | 08/25/2026 | ||||||||
| 744 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 74.222% | 74.222% | Primary | Cash Out | 725 | 20.08 | XX | 25.5 | $11,581.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$59,189.14 | 32.602% | Alternative | QC Complete | 10/26/2026 | |||||||
| 745 | XX | XX | XX | Illinois | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Charged 9.193% Allowed 8.180% Overby +1.013% This loan is compliant with regulation 1026.35. |
Single Family | 08/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 699 | XX | 21.08 | $403,109.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
0.941% | No | Alternative | QC Complete | 09/11/2026 | |||||||
| 746 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 804 | XX | 12.83 | $21,762.90 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
38.811% | Yes | Alternative | QC Complete | 08/13/2026 | ||||||||
| 747 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Amount of Title insurance $XX is less than the loan amount $XX. Provide an updated title report or title supplement with sufficient title policy amount to cover the loan amount. 08/27/2026 Resolved : The copy of updated title commitment resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide clarification for the subject property house number discrepancy, as several documents reflect XX instead of the correct address number XX, including the final application Section 3a, Credit Inquiry Explanation Letter, Title, and other loan documents. 08/21/2026 Resolved : The copy of LOX resolves the condition. |
PUD | 08/XX/2026 | 75.000% | 75.000% | Primary | Refinance | 759 | 0.5 | XX | 6.58 | $61,595.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.651% | Alternative | QC Complete | 08/18/2026 | |||||||
| 755 | XX | XX | XX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/17/2026 | ||||||||||||
| 756 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | ||||||||||||
| 759 | XX | XX | XX | Idaho | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: "Provide a copy of supporting documentation for Insurance and HOA(if applicable). for the property located at XX 8/20/2026: Resolved. Received HOI *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 8/18/2026: Resolved. Received Business Purpose |
Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 724 | 12.92 | $33,463.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.206% | No | Alternative | QC Complete | 08/13/2026 | ||||||||
| 761 | XX | XX | XX | Oregon | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The subject LTV is 75%, which exceeds the maximum allowable LTV of 70% per the applicable guideline. Exception approval is present |
Low DTI : DTI of 4.73% is less than the maximum guideline
requirement of 50%. Reserve : 141.390 months reserves exceed the minimum guideline of 5 months. Housing History: 0x30x12 is better than guideline requirement of 1x30x12. |
Single Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 702 | 23.58 | $31,949.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$299,828.59 | 17.135% | Alternative | QC Complete | 09/11/2026 | |||||||
| 764 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 65.625% | 65.625% | Primary | Purchase | 752 | XX | 7.83 | $10,162.32 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.805% | No | Alternative | QC Complete | 10/26/2026 | ||||||||
| 767 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/17/2026 | ||||||||||||
| 769 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an active lease agreement for the subject property, as the appraisal reflects the property as “Tenant Occupied.” For a purchase transaction where the subject property is tenant occupied, rental income must be supported by an active lease agreement or Form 1007, using the lesser of the two amounts to qualify. 09/01/2026 Resolved : Received LOX explaining not active lease agreement available resolves the condition. |
Single Family | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/25/2026 | |||||||||||
| 771 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the supplemental title report reflecting coverage for the loan amount of $XX 08/20/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 770 | XX | 14.16 | $41,748.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.156% | No | Alternative | QC Complete | 08/13/2026 | |||||||
| 773 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 83.415% | 83.415% | Investor | Refinance | 759 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 10/26/2026 | |||||||||||||
| 777 | XX | XX | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 774 | XX | 20.25 | $34,759.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.142% | No | Alternative | QC Complete | 08/25/2026 | ||||||||
| 778 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of the Replacement cost estimator, as the insurance coverage of $XX is not covering the loan amount of $XX. 08/05/2026: Countered. With the additional replacement coverage it is not enough to cover the loan amount. addition coverage is needed. 08/17/2026 Resolved - Resolved as policy has sufficient coverage with replacement value. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide payoff statement for the mortgage XX(payment : $6,046.00 , UPB: $XX) on the property "XX". 8/6/2026: Resolved. The only mortgage being paid off is the subject property and a payoff was provided for that mortgage. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 727 | XX | 8.66 | $129,454.05 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:1 Max Days Dlq Last 12 Mos:30 Verification Type:Credit Report |
$87,479.62 | 41.296% | Alternative | QC Complete | 07/31/2026 | |||||||
| 779 | XX | XX | XX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.548% Allowed 8.110% +Overby 0.438% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of hazard insurance with Mortgagee Clause. 08/28/2026 Resolved : The copy of updated hazard policy resolves the condition. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: CA AB 260, California Financial Code Division 1.9 4995(a) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the CaliforniaFinancial Code. CA AB 260 Higher-Priced Mortgage Loan Test: Charged 8.548% Allowed 8.110% Overby +0.438% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). *** (CURED) VOM or VOR missing/required - EV R COMMENT: Provide a copy of VOM. 08/28/2026 Resolved : The copy of payment history resolves the condition. |
Single Family | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 764 | XX | 6.42 | $2,154.05 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
49.349% | Yes | Alternative | QC Complete | 08/13/2026 | |||||||
| 780 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 722 | XX | 2.75 | $11,506.88 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.926% | Yes | Alternative | QC Complete | 08/14/2026 | ||||||||
| 782 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the tax info sheet, as it is missing 08/19/2026: Countered. Document provided was the transaction detail. A copy of the Tax info sheet is needed 08/21/2026 Resolved: The copy of tax certificate resolves the condition. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 32.353% | 32.353% | Investor | Cash Out | 725 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$76,917.57 | Alternative | QC Complete | 08/13/2026 | |||||||||||
| 783 | XX | XX | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 784 | XX | XX | XX | Kansas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 771 | 0.66 | XX | 3.5 | $27,404.89 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$297,557.86 | 42.813% | Alternative | QC Complete | 08/13/2026 | |||||||
| 787 | XX | XX | XX | Arizona | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.902% Allowed 7.990% Overby +0.912% This loan is compliant with regulation 1026.35. |
PUD | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 787 | XX | 12.08 | $23,070.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.032% | No | Full Documentation | QC Complete | 08/14/2026 | |||||||
| 788 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 60.000% | 60.000% | Primary | Purchase | 744 | XX | 0.92 | $21,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.338% | No | Full Documentation | QC Complete | 08/26/2026 | ||||||||
| 789 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 64.706% | 64.706% | Secondary | Purchase | 771 | XX | 13.66 | $184,268.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.734% | No | Alternative | QC Complete | 08/31/2026 | ||||||||
| 791 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 729 | 1.92 | $3,670.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.651% | Yes | Alternative | QC Complete | 08/14/2026 | |||||||||
| 792 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 808 | XX | 6.5 | $31,696.20 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.420% | No | Alternative | QC Complete | 08/17/2026 | ||||||||
| 793 | XX | XX | XX | Illinois | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: provide copies of the gift letters along with the corresponding wire transfer confirming the gift amounts of $55,000 and $70,000. 08/19/2026: Resolved. Received gift letters. |
PUD | 08/XX/2026 | 51.282% | 51.282% | Primary | Refinance | 785 | 1.75 | XX | 11.16 | $11,273.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.534% | Alternative | QC Complete | 08/14/2026 | |||||||
| 794 | XX | XX | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing living rent free without having housing payment history within past 12-months. A copy of an exception approval letter is available in the loan file. |
FICO: 802 exceeds the minimum FICO requirement of 720. LTV: 80.00% is lower than the maximum guideline requirement of 90.00%. DTI: 21.249% is lower than the maximum guideline requirement of 50.00%. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 802 | XX | 14.91 | $32,386.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.250% | Yes | Alternative | QC Complete | 10/26/2026 | ||||||
| 797 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.642% Allowed 8.220% Overby +0.422% This loan is compliant with regulation 1026.35. |
Single Family | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 741 | XX | 3.66 | $16,976.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.085% | Yes | Alternative | QC Complete | 08/31/2026 | |||||||
| 799 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the payoff statement for the property located at XX, for mortgage account #XX with XX. 08/24/2026 Resolved : Resolved as the property was awarded to the ex spouse per the divorce decree. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 722 | XX | 8.58 | $19,247.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.337% | No | Alternative | QC Complete | 08/13/2026 | |||||||
| 800 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 55.000% | 55.000% | Primary | Purchase | 809 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 801 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 700 | 1.5 | XX | 7.5 | $16,828.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$226,089.16 | 32.357% | Alternative | QC Complete | 08/14/2026 | |||||||
| 803 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 807 | XX | 4.25 | $33,498.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.793% | No | Alternative | QC Complete | 08/14/2026 | ||||||||
| 808 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 704 | 6.5 | XX | 2.41 | $14,802.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$100,345.20 | 35.167% | Alternative | QC Complete | 08/14/2026 | |||||||
| 812 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated CPA letter or Operating Agreement verifying the borrower’s 100% ownership of XX. The current CPA letter refers only to “the business” and does not specifically identify XX as being owned by the borrower. 08/21/2026 Resolved: The copy of updated CPA letter resolves the condition. |
Single Family | 07/XX/2026 | 63.291% | 63.291% | Primary | Cash Out | 774 | 40.58 | XX | 17.08 | $10,372.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$7,004.74 | 43.184% | Alternative | QC Complete | 08/17/2026 | ||||||
| 813 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 732 | XX | 17.66 | $6,307.75 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.413% | No | Full Documentation | QC Complete | 08/31/2026 | ||||||||
| 814 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 57.944% | 57.944% | Primary | Purchase | 804 | XX | 7.92 | $9,962.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.631% | No | Full Documentation | QC Complete | 08/18/2026 | ||||||||
| 817 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Provide a copy of the title report, as it is missing from the file. 09/08/2026: Countered. Document provided is a Transaction Detail. A copy of an actual title repoert is needed. 09/11/2026. Resolved. Property is a coop *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide the current tax certificate/report for the subject property, as it is missing in the file. 09/04/2026 Resolved : The copy of tax report resolves the condition. |
Co-op | 08/XX/2026 | 62.651% | 62.651% | Primary | Purchase | 796 | XX | 2.08 | $4,386.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.599% | Yes | Full Documentation | QC Complete | 08/28/2026 | |||||||
| 818 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 777 | XX | 5.91 | $14,672.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.476% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 819 | XX | XX | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 729 | $9,851.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.955% | No | Alternative | QC Complete | 09/01/2026 | ||||||||||
| 820 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 68.966% | 68.966% | Primary | Purchase | 777 | XX | 2.75 | $24,941.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.780% | No | Alternative | QC Complete | 08/26/2026 | ||||||||
| 821 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 09/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/11/2026 | ||||||||||||
| 823 | XX | XX | XX | Indiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated Permanent Resident card. The borrower's provided PR card has expired. 08/19/2026: Resolved. Received N400-Application for Naturalization showing automatic extension. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the updated appraisal state license, as the current license has expired 07/23/2026: Resolved. Received updated license |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 725 | XX | 3.25 | $10,875.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.335% | Yes | Alternative | QC Complete | 07/16/2026 | |||||||
| 824 | XX | XX | XX | Missouri | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated Master Insurance Policy, including the mortgagee clause, as it is currently missing from the loan file. 08/27/2026 Countered: the LOX does not cure stating that the HOA cannot add a mortgagee clause to the master policy. 09/01/2026 Resolved : Resolved as the mortgagee clause does not apply for master policy as per fnma or fhlmc. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the payoff statement for Mortgage AccountXX with an outstanding balance of $77,482, as the payoff statement is currently missing from the loan file. 08/21/2026 Resolved : The copy of divorce decree reflecting mortgage award to ex-spouse resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Subject transaction reflects 50% Single Entity Ownership, exceeding the 49% guideline limit. Exception approval present. |
Credit Score : 739 exceeds the minimum guideline requirement of
720 Residual Income : $3,349.47 monthly Low DTI : DTI of 44.74% is less than the maximum guideline requirement of 50%. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 739 | XX | 8 | $6,061.00 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
44.737% | No | Full Documentation | QC Complete | 08/14/2026 | |||||
| 825 | XX | XX | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan size of $XX has a max LTV of 75%. Borrower is requesting 80% LTV Loan Exception present |
788 exceeds the minimum guideline requirement of 740 LTV of 80% exceeds the minimum guideline requirement of 75%. DTI of 38.44% is less than the maximum guideline requirement of 50%. |
Single Family | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 788 | XX | 17.58 | $251,297.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.445% | No | Alternative | QC Complete | 08/31/2026 | ||||||
| 826 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 59.263% | 59.263% | Primary | Cash Out | 745 | 3 | XX | 2.83 | $61,095.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$486.15 | 14.641% | Alternative | QC Complete | 09/11/2026 | |||||||
| 827 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated HOI policy with an effective date on or prior to the Note date of 08/XX/2026, as the current policy effective date of 08/XX/2026. 08/26/2026 Resolved : The copy of updated hazard policy resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception requested for the borrower’s inability to document housing payment history, as the borrower has been living in an XX since 04/2024 following the sale of the prior primary residence. No traditional housing payment history is available for verification. A copy of an exception approval letter is available in the loan file. |
FICO: 765 FICO exceeds the guideline requirement of 640. Residual Income : $2,477.24 monthly |
PUD | 08/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 765 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
No | Alternative | QC Complete | 10/26/2026 | |||||||||
| 834 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 25.373% | 25.373% | Primary | Cash Out | 731 | 21.92 | XX | 22.83 | $17,226.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$55,954.96 | 24.421% | Alternative | QC Complete | 09/11/2026 | |||||||
| 835 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Master policy. 08/24/2026 Resolved : The copy of master policy resolves the condition. |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 64.516% | 64.516% | Primary | Purchase | 675 | XX | 12.25 | $12,675.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.528% | No | Alternative | QC Complete | 08/17/2026 | |||||||
| 836 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 08/XX/2026 | 79.208% | 79.208% | Investor | Purchase | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 838 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/14/2026 | ||||||||||||
| 839 | XX | XX | XX | South Dakota | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplemental title report, as the proposed title insured amount $XX is inadequate to fully cover the loan amount $XX 08/20/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 757 | 2 | XX | 3.5 | $13,171.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$427,343.52 | 30.695% | Alternative | QC Complete | 08/14/2026 | ||||||
| 840 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 08/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/26/2026 | ||||||||||||
| 841 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 08/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 741 | 6.08 | XX | 15.58 | $38,907.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$154,198.24 | 48.403% | Alternative | QC Complete | 08/17/2026 | |||||||
| 842 | XX | XX | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Mortgage clause is missing in title report, Provide a copy of updated title report with mortgage clause. 08/20/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 777 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/04/2026 | ||||||||||||
| 845 | XX | XX | XX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide the most recent two months' complete bank statements for XX 8/20/2026: Countered. The same bank statement was provided as what is originally in the file. Please provide May 2026 or July 2026 bank statement for XX |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/17/2026 | |||||||||||
| 850 | XX | XX | XX | Kentucky | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.399% Allowed 8.110% +Overby 1.289% This loan is compliant with regulation 1026.35. |
Single Family | 08/XX/2026 | 89.919% | 89.919% | Primary | Purchase | 734 | 2.92 | $8,431.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.315% | Yes | Alternative | QC Complete | 08/14/2026 | ||||||||
| 851 | XX | XX | XX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.630% Allowed 8.180% Overby +1.450% This loan is compliant with regulation 1026.35. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: CA AB 260, California Financial Code Division 1.9 4995(a) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. CA AB 260 Higher-Priced Mortgage Loan Test: Charged 9.630% Allowed 8.180% Overby +1.450% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |
Low Rise Condo (1-4 Stories) | 08/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 735 | XX | 1.33 | $14,591.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.156% | Yes | Full Documentation | QC Complete | 08/26/2026 | |||||||
| 852 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$48,679.95 | Alternative | QC Complete | 08/28/2026 | ||||||||||||
| 854 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 08/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 794 | XX | 8.83 | $5,520.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.796% | No | Alternative | QC Complete | 09/11/2026 | ||||||||
| 860 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of executed final settlement statement for property address XX 08/19/2026: Resolved. Received Final Seller's Statement |
PUD | 08/XX/2026 | 68.085% | 68.085% | Primary | Purchase | 796 | XX | 25.33 | $37,104.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.690% | No | Alternative | QC Complete | 08/14/2026 | |||||||
| 863 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 726 | XX | 3.5 | $17,812.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.716% | No | Full Documentation | QC Complete | 08/31/2026 | ||||||||
| 864 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2026 | 59.596% | 59.596% | Primary | Purchase | 760 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/14/2026 |