# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001999371-26-001144
**Filing Date:** 2026-1
**Character Count:** 1793224
**Document Hash:** d8c35cf4e41ee369928fcba995004642
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-001144.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0001999371-26-001144

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 44

**CONFORMED PERIOD OF REPORT**: 20260116

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260116

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 26540437

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

Pursuant to Section 15G of

the Securities Exchange Act of 1934

**Angel Oak Mortgage Trust I, LLC**

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Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to ________

Date of Report (Date of earliest event reported):<u> </u>

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(Exact name of securitizer as specified in its charter)

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(Commission File Number of securitizer) (Central Index Key Number of securitizer)

Name and telephone number, including area code, of the person<br>to contact in connection with this filing

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Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule
 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

**Angel Oak Mortgage Trust 2026-1**

------

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of depositor: **0001697970**

Central Index Key Number of issuing entity (if applicable):

Central Index Key Number of underwriter (if applicable): ___

**Chase Eldredge, Secretary, (404) 751-2991**

Name and telephone number, including area code of the person

to contact in connection with this filing

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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| | |
|:---|:---|
| **Item 1.01** | **Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

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Not applicable.

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| | |
|:---|:---|
| **Item 1.02** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

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Not Applicable.

---

| | |
|:---|:---|
| **Item 1.03** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable.

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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| | |
|:---|:---|
| **Item 2.01** | **Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer** |

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The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

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| | |
|:---|:---|
| **Item 2.02** | **Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Underwriter** |

---

Not Applicable.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| **Angel Oak Mortgage Trust I, LLC** | **Angel Oak Mortgage Trust I, LLC** |
| (Depositor) | (Depositor) |
| By: | /s/ Sreeniwas Prabhu |
| Name: | Sreeniwas Prabhu |
| Title: | Manager |

---

Date: January 16, 2026

**EXHIBIT INDEX**

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| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare Summary |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Data Compare Report |
| [99.11](ex99-11.htm) | Clarifii Valuation Report |
| [99.12](ex99-12.htm) | Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| [99.13](ex99-13.htm) | Consolidated Due Diligence Report |
| [99.14](ex99-14.htm) | Consolidated Rating Agency Grades |
| [99.15](ex99-15.htm) | Consolidated Valuation Summary Report |
| [99.16](ex99-16.htm) | Consolidated Data Compare Report |
| [99.17](ex99-17.htm) | Infinity JPS, Inc. ("Infinity") Executive Summary |
| [99.18](ex99-18.htm) | Infinity Rating Agency Grades Detail (LauraMac) |
| [99.19](ex99-19.htm) | Infinity Rating Agency Grades Summary (LauraMac) |
| [99.20](ex99-20.htm) | Infinity Valuation Report (LauraMac) |
| [99.21](ex99-21.htm) | Infinity Data Compare Report (LauraMac) |
| [99.22](ex99-22.htm) | Infinity Rating Agency Grade (Scienna) |
| [99.23](ex99-23.htm) | Infinity Valuation Report (Scienna) |
| [99.24](ex99-24.htm) | Infinity Loan Level Exception Report (Scienna) |
| [99.25](ex99-25.htm) | Infinity Individual Exception Report (Scienna) |
| [99.26](ex99-26.htm) | Infinity Data Compare Report (Scienna) |
| [99.27](ex99-27.htm) | Maxwell Diligence Solutions, LLC ("MaxDiligence") Executive Summary |
| [99.28](ex99-28.htm) | MaxDiligence Standard Exceptions Report |
| [99.29](ex99-29.htm) | MaxDiligence Grading Report |
| [99.30](ex99-30.htm) | MaxDiligence Valuation Report |
| [99.31](ex99-31.htm) | MaxDiligence Data Compare Report |
| [99.32](ex99-32.htm) | Selene Diligence LLC ("Selene") Due Diligence Review Narrative |
| [99.33](ex99-33.htm) | Selene Standard Findings Report |
| [99.34](ex99-34.htm) | Selene Rating Agency Grades Summary Report |
| [99.35](ex99-35.htm) | Selene Valuation Report |
| [99.36](ex99-36.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.1**

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") acquired by Angel Oak Mortgage Fund EU B LLC, the "Client") through its correspondent flow business channel. The Review was conducted on a Loan with an origination of September 2025 through October 2025 via files imaged and provided by the Client or its designee for review. The Review included loans reviewed under the Credit and Compliance Scope (2 mortgage loans).

The securitization transaction referred to as the AOMT 2026-1 transaction (the "Current Securitization") has an aggregate loan population of 2. In total during the Review, AMC reviewed a total of 2 unique mortgage loans for inclusion in the securitization.

**(2) Sample size of the assets reviewed.**

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for paid-in-full mortgage loans or other items that were not disclosed to AMC. The final population of the Review covered 2 Loans totaling an aggregate original principal balance of $1.193 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

Within this population there were 2 Loans that were reviewed by AMC to nationally recognized statistical rating organizations, NRSRO(s), standards for compliance, credit, and valuation (the "Residential Population").

**(3) Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to AMC on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original LTV |  |

---

Additional information about the data integrity review is included in Item 5 below.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

AMC's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination

***<u>Residential Population</u>***

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

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**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

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If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

***<u>Residential Population</u>***

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by AMC.

AMC reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period; and

vi) any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed
APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

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&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements;

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes
were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the
event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

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**(VI) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a
term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the loan file and, as necessary,
attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator.
In the absence of the loan originator compensation agreement and/or governing policies and procedures, AMC's review was limited
to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were
in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement
between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a loan
to a first time homebuyer that contains a negative amortization feature;

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve
any controversy or settle any claims arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance;
and

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of loan originator organization and individual loan originator name and NMLSR
ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure;
and

ii) verify the data against the NMLSR database, as available.

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**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations
within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38
C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, AMC notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, AMC then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

AMC reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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*Note*: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

AMC reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. AMC's review is based on information contained in the loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10. 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained
the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's,
initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Former Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan
file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(XIII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the Form ABS Due Diligence-15E.

**COMPLIANCE RESULTS SUMMARY**

Two loans (100.00%) subjected to a compliance review received an "A" Compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;2 | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, one (1) Loan (50.00%) possessed an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100.00% of the Loans possessed an "A" Property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Credit, and Property/Valuation sections above, 50.00% of the Loans by number in the pool possessed a NRSRO grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 2 Loans reviewed, there were 8 different tape discrepancies. As discussed above, there were 23 data fields included in the tape integrity review. Not all data fields would have been provided on all Loans within the securitization population.

Please note that Investor: Qualifying Total Debt Ratios where the variance was less than 200 basis points were excluded as deltas.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**19.05%** | &nbsp;&nbsp;**2** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY\***

\*Some tables may not add to 100% due to rounding

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1192500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1192500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$851250.00 | &nbsp;&nbsp;71.38% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$341250.00 | &nbsp;&nbsp;28.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1192500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$851250.00 | &nbsp;&nbsp;71.38% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$341250.00 | &nbsp;&nbsp;28.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$341250.00 | &nbsp;&nbsp;28.62% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$851250.00 | &nbsp;&nbsp;71.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1192500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1192500.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

## Exhibit 99.2

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - XXX** | **Run Date - XXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 2026010526 | XXX |  | XXX | XXX | XXX | XXX |  | XXX | 0.00% | XXX | XXX | XXX | Appraisal | XXX | XXX | XXX |  | XXX | XXX | 0.00 | XXX | XXX | Desk Review | Clear Capital |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 2026010542 | XXX |  | XXX | XXX |  | XXX |  | XXX | 0.00% | XXX | XXX | XXX | Appraisal | XXX. XXX: Appraisal Shop | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |

---

## Exhibit 99.3

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 2026010526 | XXX |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Documentation provided; exception cleared.<br>Buyer Comment (XXX): XXX | XXX XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | 2026010542 | XXX |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | TRID | XXX XXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXX Integrated Disclosure: XXX Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus XXX% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (XXX): Sufficient Cure Provided At Closing |  | XXX XXX |  | 1 A | XXX | XXX | XXX | XXX | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2026010542 | XXX |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | TRID | XXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXX Integrated Disclosure: XXX Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (XXX): Sufficient Cure Provided At Closing |  | XXX XXX |  | 1 A | XXX | XXX | XXX | XXX | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2026010542 | XXX |  | XXX | XXX | XXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for priority of common expense assessments. | Borrower has been employed in the same industry for more than XXX years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than XXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXX points. | $XXX residual income.<br>XXX months reserves.<br>Fico is XXX points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (XXX): Lender exception in file. |  |  | XXX XXX | 2 B | XXX | XXX | XXX | XXX | B A | Non QM | Non QM | No |

---

## Exhibit 99.4

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 2026010526 | XXX |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | 2026010542 | XXX |  | XXX | XXX B | A | A | B | B | A | A | B |  |

---

## Exhibit 99.5

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 2 | 0.00% | 2 |
| State | 0 | 2 | 0.00% | 2 |
| Zip | 1 | 2 | 50.00% | 2 |
| Original Loan Amount | 0 | 2 | 0.00% | 2 |
| First Payment Date | 0 | 2 | 0.00% | 2 |
| Original Term | 1 | 2 | 50.00% | 2 |
| Amortization Term | 1 | 2 | 50.00% | 2 |
| Maturity Date | 0 | 2 | 0.00% | 2 |
| Original Interest Rate | 0 | 2 | 0.00% | 2 |
| Amortization Type | 1 | 2 | 50.00% | 2 |
| Representative FICO | 0 | 2 | 0.00% | 2 |
| Property Type | 1 | 2 | 50.00% | 2 |
| Lien Position | 1 | 2 | 50.00% | 2 |
| Occupancy | 0 | 2 | 0.00% | 2 |
| Purpose | 0 | 2 | 0.00% | 2 |
| Appraised Value | 0 | 2 | 0.00% | 2 |
| Contract Sales Price | 0 | 1 | 0.00% | 2 |
| Original CLTV | 0 | 2 | 0.00% | 2 |
| Original LTV | 0 | 2 | 0.00% | 2 |
| Investor: Qualifying Total Debt Ratio | 0 | 2 | 0.00% | 2 |
| Interest Only Period | 1 | 1 | 100.00% | 2 |
| Originator Loan Designation | 0 | 1 | 0.00% | 2 |
| Guideline Name | 1 | 1 | 100.00% | 2 |
| **Total** | **8** | **42** | **19.05%** | **2** |

---

## Exhibit 99.6

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |
| **Run Date - XXX** | **Run Date - XXX** | **Run Date - XXX** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXX | 2026010526 | XXX |  |  | Original Term |  | XXX | Ignored | XXX Field Value not provided |
| XXX | 2026010526 | XXX |  |  | Amortization Term |  | XXX | Ignored | XXX Field Value not provided |
| XXX | 2026010526 | XXX |  |  | Amortization Type |  | XXX | Ignored | XXX Field Value not provided |
| XXX | 2026010526 | XXX |  |  | Property Type | XXX | XXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXX | 2026010526 | XXX |  |  | Lien Position |  | XXX | Ignored | XXX Field Value not provided |
| XXX | 2026010526 | XXX |  |  | Contract Sales Price |  | XXX | Ignored | XXX Field Value not provided |
| XXX | 2026010542 | XXX |  |  | Zip | XXX | XXX | Verified | Field Value reflects Zip per Note |
| XXX | 2026010542 | XXX |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXX | 2026010542 | XXX |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXX | 2026010542 | XXX |  |  | Amortization Type |  | XXX | Verified | Field Value reflects Amortization Type per Note |
| XXX | 2026010542 | XXX |  |  | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXX | 2026010542 | XXX |  |  | Lien Position |  | XXX | Verified | Field Value reflects Lien Position per the Note |
| XXX | 2026010542 | XXX |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |

---

## Exhibit 99.7

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.7**

**EXECUTIVE SUMMARY**

**AOMT 2026-1**

**By Clarifii LLC on January 14, 2026**

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](ex997001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 70 Loans (the "Loans") originated by a correspondent lender and acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") for the AOMT 2026-1 transaction. The Loans referenced in this narrative report were reviewed between 08/2025 to 11/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;35 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$13320428.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;11 | &nbsp;&nbsp;15.71% | &nbsp;&nbsp;$5931690.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;24 | &nbsp;&nbsp;34.29% | &nbsp;&nbsp;$9981066.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

The Review consisted of a population of 70 Loans, with an aggregate principal balance of $29,233,184.00.

**CLARIFII'S THIRD PARTY REVIEW (TPR) SCOPE OF WORK** 

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

**LOAN SAMPLING**

The Clients defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction Loan population.

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](ex997001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Clients on the Loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](ex997001.jpg)

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following Loan attributes and, where applicable, recalculated based on the information provided:

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

– Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

– Monthly Debt

– Occupancy

– Property Type

– Qualifying principal, interest, tax, insurance, and association dues (PITIA)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

– All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

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● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to Loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

– Captured the monthly consumer debt payments for use in the applicable DTI calculation

– Installment and revolving payment history

– Mortgage/Rental payment history

– Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the Loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the Loan file to identify and address any potential misrepresentations including:

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject
 property ownership history

– Employment

– Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 officer

OFAC

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● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in Loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

● **Property** **Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

– Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification

– Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

– Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

**DOCUMENT REVIEW**

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

● **Initial and Final 1003 Application** 

● **Note** 

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● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage Loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

● **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

– Initial and final application (1003)

– Note, including all addendums

– Copy of note for any junior liens (if applicable)

– Mortgage / Deed of Trust, including all riders

– Initial, Interim, and Final Loan Estimates (LE)

Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

– Notice of Right to Cancel (when applicable)

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– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present
 in the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance
 policies or debt cancellation agreements present in the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■  ***State prepayment and late charge restrictions*** – Clarifii reported instances where
 a prepayment penalty that exceeds the state permitted penalty has expired.

● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

– Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

– California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

– California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

– Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

– Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

– Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

– Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

– Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

– Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

– Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

– Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

– City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

– Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

– Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

– Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

– Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

– Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

– Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

– Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

– Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

– Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

– Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

– Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

– Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

– Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

– New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

– New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

– New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

– New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

– New York Subprime Home Loans, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

– Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

– Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

– City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

– Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

– Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

– Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

– Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

– City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

– South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

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– South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

– Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

– Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

– Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

– Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

– Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

– Virginia Mortgage Lender and Broker Act (for Loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

– Virginia Mortgage Lender and Broker Act (for Loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

– West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

– Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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If a Loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file the Loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated Loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the Loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the Loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous Loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note: for Loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

Clarifii's review was based on information contained in the Loan file at the time it was provided for review.

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

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**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

● If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For Loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

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**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable UCDP <br> Risk Score \*** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](ex997001.jpg)

**Valuation Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**Compliance Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon Loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**CLARIFII DUE DILIGENCE RESULTS** 

Below are the final overall Loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;72.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;27.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](ex997001.jpg)

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;77.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;22.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;8.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](ex997001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29233184.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;22 | &nbsp;&nbsp;31.43% | &nbsp;&nbsp;$15097980.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;$1832200.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;44 | &nbsp;&nbsp;62.86% | &nbsp;&nbsp;$12303004.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;29 | &nbsp;&nbsp;41.43% | &nbsp;&nbsp;$9646275.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;41 | &nbsp;&nbsp;58.57% | &nbsp;&nbsp;$19586909.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29233184.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29233184.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29233184.00** |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](ex997001.jpg)

**DATA COMPARE RESULTS**

Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;14 | &nbsp;&nbsp;30 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;97.10% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;70 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;70 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;8 | &nbsp;&nbsp;59 | &nbsp;&nbsp;86.44% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;60 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;31 | &nbsp;&nbsp;61.29% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;28 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](ex997001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation
Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating
Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data
Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating
Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement
Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business
Purpose Supplement Data Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

AOMT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

## Exhibit 99.8

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2026010560 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Review did not receive unit B lease agreement-income adjusted to consider only unit A. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Counter-Received duplicate, unexecuted lease for unit A-missing executed lease for unit B-finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Lease agreement provided however it appears to be for Unit A. Please provide the lease with XXX for Unit B - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Counter-Received duplicate lease--missing lease for XXX reflecting on final XXX XXX Unit B-reflecting rents of $XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-Missing Lease agmnt for XXX. (XXX, $XXX rental amnt listed on 1003) - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Review did not receive unit XXX lease agreement-income adjusted to consider only unit A. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Nin FICO XXX, Bwr FICO XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010560 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX dated XXX for XXX extension. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX, Discount Points, without a valid XXX in file. Provide a valid and timely XXX for increase XXX evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Received XXX dated XXX for XXX extension. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Nin FICO XXX, Bwr FICO XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010560 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received XXX Information Form for both borrowers. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. Missing XXX Discl - Due Diligence Vendor-XXX |  | Resolved-Received XXX Information Form for both borrowers. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Nin FICO XXX, Bwr FICO XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010560 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXX<br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception on file for using departing residence lease income at XXX% - Due Diligence Vendor-XXX |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Nin FICO XXX, Bwr FICO XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required | XXX FICO<br> XXX% DTI<br> XXX yrs employment stability<br> XXX mos reserves<br> $XXX residual income<br> XXX credit history<br> XXX% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010560 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Nin FICO XXX, Bwr FICO XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010564 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing secondary valuation per securitization requirements. - Due Diligence Vendor-XXX |  | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010561 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX<br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-XXX |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010561 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors- allow for XXX- appears the tax preparer XXX properly registered with the state of XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) Approval request<br> 2) Approval - Seller-XXX<br> Counter-Received tax preparer XXX-XXX tax preparer and the lender's guidelines do not allow the use of a XXX, per the XXX letter. Exception required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX f - Seller-XXX<br> Open-The P&L was prepared by a XXX tax preparer and the lender's guidelines do not allow the use of a XXX, per the XXX letter. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1) Approval request<br> 2) Approval - Seller-XXX<br> Ready for Review-Document Uploaded. XXX - Seller-XXX | Waived-Client waiver applied to non-material finding with compensating factors- allow for XXX- appears the tax preparer XXX properly registered with the state of XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. | LTV XXX%; max XXX%.<br> XXX months PITIA reserves; XXX months reserves required. | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010561 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received acceptable documentation joint owner of mortgage pays obligation-omission supported. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Per final 1008, lender did not include B2 investment property mortgage payment into DTI. - Due Diligence Vendor-XXX |  | Resolved-Received acceptable documentation joint owner of mortgage pays obligation-omission supported. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010561 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Received current XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. This is a refinance loan. Attached is the previous XXX - Seller-XXX<br> Open-Flood Insurance Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. This is a refinance loan. Attached is the previous XXX - Seller-XXX | Resolved-Received current XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010561 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010562 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010559 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - CD from Purchase received. Assets for Purchase in file - Acct #XXX - wire XXX matches CD amount. Title indicates no open mortgages. Meets all Delayed Financing requirements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CD from purchase - Buyer-XXX<br> Counter-Lender to provide verification of the HUD1/CD from the original purchase and assets used to purchase the home. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Cash Out Does Not Meet Guideline Requirements Delayed financing - Lender to provide verification of the HUD1/CD from the original purchase and assets used to purchase the home. Assets must meet guides. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Cash Out Meets Guideline Requirements - CD from Purchase received. Assets for Purchase in file - XXX - wire XXX matches CD amount. Title indicates no open mortgages. Meets all Delayed Financing requirements. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010559 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. corrected title - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount is $XXX, title coverage is $XXX which is insufficient - Due Diligence Vendor-XXX |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010541 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Personal Guaranty Agreement - Buyer-XXX<br> Counter-Guaranty agreement received is executed as President of XXX-personal guaranty required to be executed as individual. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Personal Guaranty - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Personal Guaranty. - Due Diligence Vendor-XXX |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrowers has XXX months in reserves; guideline minimum is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICOs score is XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010541 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrowers has XXX months in reserves; guideline minimum is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICOs score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010556 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received correct XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated XXX Coverage - Buyer-XXX<br> Counter-Policy application w/sufficient coverage provided. Pending receipt of the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Insufficient Coverage Amount for Insured Subject Property. XXX coverage is $XXX. Loan amount is $XXX. Coverage is insufficient. - Due Diligence Vendor-XXX |  | Resolved-Received correct XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> DSCR =/> XXX and minimum is XXX or Less - qualifying DSCR is XXX% |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010563 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet uploaded - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX (of which XXX months own funds) |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010578 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-XXX provided. - Due Diligence Vendor-XXX<br> Counter-Missing XXX from XXX--is using XXX # as sole member, UW to confirm no EIN and using personal SS# (on 1008 or UW cert) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number. - Due Diligence Vendor-XXX |  | Resolved-XXX provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> LTV is less than guideline maximum - Maximum LTV is XXX%, subject is XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010575 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----DOT is missing legal description. - Due Diligence Vendor-XXX |  | Resolved-Received DOT w/Legal - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO XXX; minimum FICO XXX required<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010547 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower XXX Executed XXX is Missing | Resolved-Received Borrower XXX Executed XXX (XXX). - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX for XXX - Buyer-XXX<br> Open-Borrower XXX Executed XXX is Missing XXX form only reflects XXX year when doc type is a XXX yr full doc - Due Diligence Vendor-XXX |  | Resolved-Received Borrower XXX Executed XXX (XXX). - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010547 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received XXX. Borrower XXX is not XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and XXX were the only ones on title, so they are the only ones required to execute the mortgage. Per guidelines, not all borrowers must be on the mortgage - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The non-occupant co-borrower is required to sign the mortgage. Missing signature on mortgage. - Due Diligence Vendor-XXX |  | Resolved-Received Final Title. Borrower XXX is not vested on Title - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010528 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Verification. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Taxes XXX - Buyer-XXX<br> Counter-Taxes provided, however it does not support the amount of taxes used for qualification. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) Tax Statement<br> 2) Prop Tax - Buyer-XXX<br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-XXX |  | Resolved-Received Tax Verification. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010528 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. dot w legal - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description not provided. - Due Diligence Vendor-XXX |  | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010549 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-After further review, the guides require the pay history through the application date, - Due Diligence Vendor-XXX<br> Counter-Received credit report-mtg XXX only through XXX-missing update confirming XXX payment made. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-After further review, the guides require the pay history through the application date, - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO XXX; minimum FICO XXX required<br> DSCR % greater than XXX - DSCR is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010549 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received bank statement reflecting sufficient reserves. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Short assets for reserves; verified assets/reserved of XXX months; XXX months reserves required. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received bank statement reflecting sufficient reserves. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO XXX; minimum FICO XXX required<br> DSCR % greater than XXX - DSCR is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010549 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received UW summary. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 - Seller-XXX<br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1008 - Seller-XXX | Resolved-Received UW summary. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO XXX; minimum FICO XXX required<br> DSCR % greater than XXX - DSCR is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010549 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received photo ID. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX |  | Resolved-Received photo ID. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO XXX; minimum FICO XXX required<br> DSCR % greater than XXX - DSCR is XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010570 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010551 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received unexpired XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Missing XXX credit within XXX days of note date - Due Diligence Vendor-XXX |  | Resolved-Received unexpired XXX Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010555 | XXX | B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010545 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-Received confirmation of premium - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. INSURANCE INVOICE - Buyer-XXX<br> Open-XXX (Or XXX if Subject Property is a Condo) is only Partially Provided Missing documentation which confirms the property insurance annual premium. - Due Diligence Vendor-XXX |  | Resolved-Received confirmation of premium - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010523 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DEED OF TRUST and Exhibit A - Buyer-XXX<br> Counter-Legal from Title provided, please provide the Exhibit A attached to the mortgage for recording. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exhibit A - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying score is XXX<br> Credit history exceeds minimum required - Credit history exceeds minimum required of XXX>than XXX months |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010580 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow the transferred appraisal / non XXX only - Due Diligence Vendor-XXX<br> Open-Property Issues are identified for the property EXCEPTION: Approved for Transferred Appraisal/Non AMC Institutional G/L XXX Transferred Appraisal. Client exception granted to allow the transferred appraisal / non XXX only. Non-material, appraisal supports value - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow the transferred appraisal / non XXX only - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010580 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received 1004D. Kitchen has stove hookups. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. See page XXX of the XXX the appraiser provided pictures showing XXX for - Buyer-XXX<br> Open-Missing stove and refrigerator - Due Diligence Vendor-XXX |  | Resolved-Received 1004D. Kitchen has stove hookups. - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010580 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Received Satisfactory XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. This was in the file see page XXX starts the chain - Buyer-XXX<br> Open-Unsatisfactory XXX provided. Missing required XXX Month XXX - Due Diligence Vendor-XXX |  | Resolved-Received Satisfactory XXX - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010534 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than XXX Months | Waived-Client waiver applied to non-material finding with compensating factors. Exception for XXX months of XXX, XXX months required. - Due Diligence Vendor-XXX<br> Open-Borrower 1 Total Years Employment Verified is Less Than XXX Months Lender Exception in file for borrower only having XXX months of business existence verified at time of loan application, where guides require XXX months business existence. Borrower will be XXX months with business by the time they make their first payment. Exception indicates in the same line of work since XXX; however, the borrower was not in health care and was XXX for property management. Exception approval email in loan file. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for XXX months of XXX, XXX months required. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. | Credit Score: XXX pts above guidelines<br> Reserves: XXX<br> DTI: XXX<br> Residual Income: XXX<br> Credit History: XXX for at least XXX mos<br> Payment shock XXX%<br> LTV XXX%, XXX% below max of XXX%<br> Employment stability XXX years in the same line of work<br> Credit profile lower payments |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010529 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received evidence of receipt for CD XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting documents - Buyer-XXX<br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ---- Please provide borrowers acknowledgement for CD issued XXX. Additional findings may apply upon receipt. - Due Diligence Vendor-XXX |  | Resolved-Received evidence of receipt for CD XXX. Finding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010539 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XXX |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX monhs, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010539 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Property XXX: Other XXX Missing or Incomplete | Waived-Client exception granted to allow - Per unit deductible exceed XXX%. <br> Master insurance shows a $XXX per unit deductible for ice damming. XXX shows coverage of $XXX, per unit deductible is XXX, the mas per unit deductible is $XXX. Per unit deductible exceeds XXX%. Policy is insured at XXX. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow - Per unit deductible exceed XXX%. <br> Master insurance shows a $XXX per unit deductible for XXX. XXX shows coverage of $XXX, per unit deductible is XXX, the XXX per unit deductible is $XXX. Per unit deductible exceeds XXX%. Policy is insured at XXX. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX monhs, Borrower has XXX months | Borrower is an experienced landlord with XXX current investment properties. Borrower has owned current residence for XXX+ years. Excellent credit with no XXX. XXX+ months reserves not including cash out proceeds. Qualifying FICO XXX, Mtg History 0x30x47. credit score XXX pts > minimum, reserves XXX > minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010537 |  | XXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010568 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received Disclosure - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. Missing XXX Identification Form - Due Diligence Vendor-XXX |  | Resolved-Received Disclosure - Due Diligence Vendor-XXX | Credit history exceeds minimum required - Mortgage history is XXX & XXX months reporting XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - XXX% LTV; max XXX% LTV required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010568 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing required fraud report reflecting all high alerts have been cleared, with satisfactory scores. - Due Diligence Vendor-XXX |  | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Credit history exceeds minimum required - Mortgage history is XXX & XXX months reporting XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - XXX% LTV; max XXX% LTV required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010568 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-XXX |  | Resolved-Received Tax Cert. - Due Diligence Vendor-XXX | Credit history exceeds minimum required - Mortgage history is XXX & XXX months reporting XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> LTV is less than guideline maximum - XXX% LTV; max XXX% LTV required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010554 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-XXX – The account showing a XXX balance on credit report dated XXX. Refresh report dated XXX the balance still reporting zero. Updated 1003 Received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1003 - Seller-XXX <br> Counter-Provide validation XXX was not transferred and corrected final 1003. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. This lien has been removed from debts as there is a XXX balance reflected on all credit documents provided. - Seller-XXX<br> Counter-Please provide the documentation used to support the payment used to qualify for the XXX<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Verification of installment debt for XXX listed on the loan application not provided. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1003 - Seller-XXX<br> Ready for Review-Document Uploaded. This lien has been removed from debts as there is a XXX balance reflected on all credit documents provided. - Seller-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-XXX Bank – The account showing a XXX balance on credit report dated XXX. Refresh report dated XXX the balance still reporting XXX. Updated 1003 Received. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010554 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Secondary valuation not provided - Due Diligence Vendor-XXX |  | Resolved-Received SSR with a CU score of XXX - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010554 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income Worksheet - Due Diligence Vendor-XXX<br> Ready for Review-Supporting Document - Buyer-XXX<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Lender did not provide a Bank Statement/Income Worksheet to show how the monthly income was calculated. - Due Diligence Vendor-XXX |  | Resolved-Received Income Worksheet - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010554 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Missing Third Party Market Rent Source Upon Further Review, rent for the subject was not used. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Third Party Market Rent Source - Due Diligence Vendor-XXX |  | Resolved-Missing Third Party Market Rent Source Upon Further Review, rent for the subject was not used. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010554 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Evidence of Property Tax Lender used a higher tax amount of $XXX vs verified amounts per tax cert/title report totaling $XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Tax Calculation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010546 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX XXX with explanation of increase. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX appraissal increase - Seller-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Appraisal Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX Year - Expiration Date: XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX appraissal increase - Seller-XXX | Resolved-Received XXX XXX with explanation of increase. Finding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010546 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of Special Flood Hazard. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. NOTICED OF FLOOD HAZARD DISCLOSURE - Seller-XXX<br> Open-Subject Property is in XXX A but Notice of Special Flood Hazard Disclosure was not provided Notice of Special Flood Hazards is not signed. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. NOTICED OF FLOOD HAZARD DISCLOSURE - Seller-XXX | Resolved-Received Notice of Special Flood Hazard. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010546 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. NOTE - Buyer-XXX<br> Open-The Note is Missing -----Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010567 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow 1007 market rent, Non-material waiver applied with comp factors. nonmaterial due to Fico XXX points higher than min, LTV max XXX%, actual XXX% and reserves XXX months - Due Diligence Vendor-XXX<br> Open-Lender exception in file for allowing Waived-Client exception granted to allow 1007 market rent, Non-material waiver applied with comp factors. nonmaterial due to Fico XXX points higher than min, LTV max XXX%, actual XXX% and reserves XXX months - Due Diligence Vendor-XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> DSCR =/> XXX and minimum is XXX or Less - XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. Program Min FICO: XXX; qualifying FICO XXX<br> Program Min DSCR: XXX; qualifying DSCR is XXX<br> Program Max LTV: XXX; qualifying LTV: XXX<br> Program Min Reserves: XXX; qualifying reserves: XXX. ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010577 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The borrower made XXX payments in XXX XXX for $XXX, and he paid $XXX on XXX, XXX and XXX. I have provided XXX payment, they made half a payment on XXX $XXX and XXX $XXX rent is not XXX days late until the XXX of month. Proof of XXX not needed as loan closed XXX - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. XXX XXX to XXX XXX - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements (1) Missing Letter of Explanation as to borrower's rent payments for the following months being less than the $XXX per month lease amount: XXX, XXX, XXX, XXX, XXX, XXX; or Verification form completed by landlord confirming satisfactory payment history. Other findings may apply. <br> (2) Missing documentation which confirms primary housing expense was paid current at time of closing. Bank statements provided to XXX XXX; however, loan closed XXX; missing XXX and XXX (prorated) rent payments. - Due Diligence Vendor-XXX |  | Resolved-The borrower made two payments in XXX XXX for $XXX, and he paid $XXX on XXX, XXX and XXX. I have provided XXX payment, they made half a payment on XXX $XXX and XXX $XXX rent is not XXX days late until the XXX of month. Proof of XXX not needed as loan closed XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - DTI: XXX% Max XXX%<br> Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010577 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received updated DRIVE Report with XXX Monitoring - NO New Debt - Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting doc uploaded - Buyer-XXX<br> Counter-XXX is dated XXX - Greater than XXX-Days Prior to Note Date. Missing required XXX report / credit refresh obtained within XXX days prior to closing.. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Drive report - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Missing required XXX report / credit refresh obtained within XXX days prior to closing. - Due Diligence Vendor-XXX |  | Resolved-Received updated DRIVE Report with XXX Monitoring - NO New Debt - Borrower 1 XXX Credit Report is not expired. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - DTI: XXX% Max XXX%<br> Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010577 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received XXX for XXX and XXX XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved------Received XXX for XXX and XXX XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - DTI: XXX% Max XXX%<br> Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010577 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Borrower has submitted XXX months rent payment to complete Housing History - therefore Required Reserves are now XXX Months - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The borrower made two payments in XXX XXX for $XXX, and he paid $XXX on XXX, XXX and XXX. I have provided XXX payment, they made half a payment on XXX $XXX and XXX $XXX rent is not XXX days late until the XXX of month. Proof of XXX not needed as loan closedXXX - Buyer-XXX<br> Counter-Review considered less than XXX months housing history validated --XXX months reserves required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. rebuttal XXX is what is required on primary not XXX - Seller-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. rebuttal XXX is what is required on primary not XXX - Seller-XXX | Resolved-Borrower has submitted XXX months rent payment to complete Housing History - therefore Required Reserves are now XXX Months - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - DTI: XXX% Max XXX%<br> Residual Income =/> XXX times $XXX monthly residual income - Residual Income: $XXX |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010579 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010536 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received Blanket/approval from the Client. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX blanket waiver - Seller-XXX<br> Counter-DSCR calculation provided. Please provide the exception approval for the Appraisal as it was not ordered XXX a AMC. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. dscr calc - Seller-XXX<br> Open-Appraisal does not meet lender guidelines in that it was not ordered via XXX (XXX Company) per Section XXX of Guidelines, which requires exception approval, not found. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX blanket waiver - Seller-XXX<br> Ready for Review-Document Uploaded. dscr calc - Seller-XXX | Resolved-Received Blanket/approval from the Client. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) tax calc<br> 2) loan wksht - Buyer-XXX<br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-XXX |  | Resolved-Received Tax Calculation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received lender XXX did not include XXX in assets. Received 1031 exchange supporting funds to close and reserves. - Due Diligence Vendor-XXX<br> Counter-Please provide XXX corporate documents to support access for business account. Wire receipt in file ie(pg XXX) of original file reflect funds received from XXX XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) uw email, no fund from XXX Mgmt used<br> 2) sale HUD - Seller-XXX<br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing XXX XXX corporate documents to support access for XXX account. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1) uw email, no fund from XXX Mgmt used<br> 2) sale HUD - Seller-XXX | Resolved-Received lender lox did not include XXX in assets. Received 1031 exchange supporting funds to close and reserves. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received 1031 exchange documentation and wire proof of funds transfer in the amount XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) uw email, no fund from XXX used<br> 2)sale HUD<br> - Seller-XXX<br> Open-Total Qualified Assets Post-Close amount is '$-XXX'. Assets are Insufficient. Missing satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements. Borrower provided a Letter of Explanation that closing funds would be from a 1031 XXX Sale, but supporting documentation was not found. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1) uw email, no fund from XXX Mgmt used<br> 2)sale HUD<br> - Seller-XXX | Resolved-Received 1031 exchange documentation and wire proof of funds transfer in the amount XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted, waiver applied with reviewed comp factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. non arm exception email - Seller-XXX<br> Open-Non-Arm's Length Transactions Not Allowed for Program Loan does not meet guidelines in that there is an exception approved for Non-Arms Length "XXX/XXX" however, the request from the lender is missing to confirm scenario and any compensating factors used for XXX review. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. non arm exception email - Seller-XXX | Waived-Client exception granted, waiver applied with reviewed comp factors. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX | XXX hit of XXX | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010548 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 1031 exchange documentation and wire proof of funds transfer in the amount XXX..Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements of no less than XXX months property expenses, i.e. PITIA - Due Diligence Vendor-XXX |  | Resolved-Received 1031 exchange documentation and wire proof of funds transfer in the amount XXX..Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> DSCR % greater than XXX - DSCR: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010571 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-CDA Received dated after appraisal and matches Appraised Value with XXX% Variance - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CDA updated - Seller-XXX<br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Missing secondary valuation product that was completed after appraisal report. Collateral Desktop Analysis completed by Clear Capital dated XXX predates appraisal report which is dated XXX. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. CDA updated - Seller-XXX | Resolved-CDA Received dated after appraisal and matches Appraised Value with XXX% Variance - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months<br> Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010571 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | XXX project is ineligible | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept the XXX questionnaire without updating the appraisal. - Due Diligence Vendor-XXX<br> Counter-Please provide a revised Appraisal with correct units rented to confirm the investor concentration. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal: Underwriter did not need an exception due to guidelines for eligible non-warrantable XXX is investor concentration up to XXX%. Our XXX questionnaire evidences the fact that we are within guidelines on investor concentration. XXX investors divided by total of XXX units = XXX% - Buyer-XXX<br> Open-Missing documentation which evidences an approved exception for non-warrantable XXX project due to investor concentration as required per guidelines. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept the XXX questionnaire without updating the appraisal. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months<br> Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010571 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months<br> Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010571 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, a revised application is not required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The property located at XXX, XXX, XXX, was to fulfill Proof borrower is an experienced investor. Per guidelines, Underwriting is not required to add to Non-Primary, Non-Subject properties to XXX section of 1003 since there is no mortgage reporting on credit report. - Buyer-XXX<br> Open-Missing full list of properties borrower owns as required per guidelines. Loan application only reflects borrower's primary residence; however a lease from XXX was provided for a property not reflected on the loan application and Fraud Report shows it was sold XXX. Other findings may apply. - Due Diligence Vendor-XXX |  | Resolved-Upon further review, a revised application is not required. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves = XXX months – Required Reserves = XXX Months<br> Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010527 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010535 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010543 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Verification XXX has CLEARED - Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX<br> Open-EMD missing proof it cleared was not in loan file. Short reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX | Resolved-Received Verification XXX has CLEARED - Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Long term residence - Borrower has lived in primary for XXX years and XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010543 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – Stips<br>1. Property – Rural Property Above XXX acres<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX<br> Counter-Provide client approval of rural excess acreage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-While rural, it is being purchased as a primary residence with XXX parcels. Appraiser states that property is typical for the area. It has public water, on state maintained road with no deferred maintenance. neighborhood description states located near XXX, shipping and other amenities and at its highest and best use. Didn't count business funds in reserves. Rural property above XXX acres. No approval in loan file - Due Diligence Vendo - XXX | Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – Stips<br>1. Property – Rural Property Above XXX acres<br> - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Long term residence - Borrower has lived in primary for XXX years and XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX | Credit score XXX<br> DTI XXX%<br> Employment stability - excellent/XXX years<br> Reserves XXX months<br> Residual income XXX<br> LTV XXX%<br> Credit profile - excellent | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010543 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-Appraisal is Missing Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Received appraisal. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Long term residence - Borrower has lived in primary for XXX years and XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010543 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting doc - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting doc - Seller-XXX | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Long term residence - Borrower has lived in primary for XXX years and XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010543 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Long term residence - Borrower has lived in primary for XXX years and XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010540 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Satisfactory XXX has been provided - Received Original Deed to Sellers from XXX - there are additional conveyances but from Individual to their Trust and then back again to Individuals - ALL Seller - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attachment that has been previously uploaded and accounts for the most recent XXX months. - Buyer-XXX<br> Counter-Received Warranty Deeds. Please provide Title reflecting the XXX month chain of title. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Received security instrument - please provide acceptable XXX month XXX from XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Unsatisfactory XXX provided. Chain of title not on XXX - Due Diligence Vendor-XXX |  | Resolved-Satisfactory XXX has been provided - Received Original Deed to Sellers from XXX - there are additional conveyances but from Individual to their Trust and then back again to Individuals - ALL Seller - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010540 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010513 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010532 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Upon further review, no further documentation is needed or required. The XXX borrower is not on title and does not have right to rescind. - Due Diligence Vendor-XXX<br> Open-XXX Did Not Receive Right of Rescission Form Missing Right of Rescission for XXX borrower. - Due Diligence Vendor-XXX |  | Resolved-Upon further review, no further documentation is needed or required. The second borrower is not on title and does not have right to rescind. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010532 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect XXX Form Type selected | Resolved------Received Corrected signed XXX. Finding Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Received a correct form however, three full days were not provided due to the holiday on XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-\*NEW\* The Incorrect XXX Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'XXX (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). The H8 form was provided however, the prior mortgage was with the same lender. - Due Diligence Vendor-XXX |  | Resolved------Received Corrected signed XXX. Finding Resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010532 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the co-borrower is a non-occupying co-borrower who is not on title. - Due Diligence Vendor-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing co-borrower on DOT. (borrower on note and 1003) - Due Diligence Vendor-XXX |  | Resolved-After further review, the co-borrower is a non-occupying co-borrower who is not on title. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required<br> Months Reserves exceed minimum required - Min XXX, actual XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010574 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010573 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010521 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010553 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Citizenship Documentation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> XXX provided. Please provide a revised 1003 as the borrower is a non-permanent resident alien. Please provide documentation to support the country of origin. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Borrower 2 is permanent resident alien per 1003, citizenship documentation is required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower Citizenship Documentation Is Missing Borrower 2 Citizenship Documentation Is Missing. - Due Diligence Vendor-XXX |  | Resolved-Received Citizenship Documentation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX.<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX% |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010553 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing XXX-Credit | Resolved-Received Prepayment Penalty Note Addendum - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX<br> Open-Missing Prepayment Penalty Addendum. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Documents - Seller-XXX | Resolved-Received Prepayment Penalty Note Addendum - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX.<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX% |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010553 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 1031 Exchange documents. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Reserves - Buyer-XXX<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX |  | Resolved-Received 1031 Exchange documents. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX.<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010553 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received 1031 exchange documents - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1031 Proof of funds - Seller-XXX<br> Open-Total Qualified Assets Post-Close amount is '$XXX'. Assets are Insufficient. Total Qualified Assets Post-Close amount is -$XXX. Assets are Insufficient. Missing evidence of the 1031 exchange credit. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1031 Proof of funds - Seller-XXX | Resolved-Received 1031 exchange documents - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX.<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010553 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business Entity docs including XXX # - Buyer-XXX<br> Open-The Business Entity Formation Document is incomplete XXX document is required for XXX - missing - Due Diligence Vendor-XXX |  | Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX.<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX for increase. - Due Diligence Vendor-XXX<br> Counter------There is no proof that the borrower received the XXX dated XXX. Finding stands. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. COMPLIANCE TRID---THE COC'S AND LE'S WERE ALREADY UPLOADED. I HAVE RE-UPLOADED TO HELP CLEAR THIS COND. - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Credit Report, Tax Service, and VOE Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations expires XXX. There is a lender credit on Final CD for $XXX, which is not enough to cure finding. <br> - Due Diligence Vendor-XXX |  | Resolved-Received XXX for increase. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower XXX Total Years Employment Verified is Less Than XXX Months | Resolved-VOE received for B2 confirming XXX Employment since XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Uploaded XXX - Buyer-XXX<br> Open-Borrower 2 Total Years Employment Verified is Less Than XXX Months - Due Diligence Vendor-XXX |  | Resolved-XXX received for B2 confirming 1099 Employment since XXX - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE received for B2 confirming XXX Employment since XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. VOE - Seller-XXX<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. VOE - Seller-XXX | Resolved-XXX received for B2 confirming 1099 Employment since XXX - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the XXX was documented in the loan file. - Due Diligence Vendor-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX |  | Resolved-After further review, the XXX was documented in the loan file. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-After further review, the final 1003 for XXX is in the loan file. - Due Diligence Vendor-XXX<br> Open-The Final 1003 is Incomplete Final 1003 for Co-Borrower is missing. Also, missing XXX year employment history for B2 - Due Diligence Vendor-XXX |  | Resolved-After further review, the final 1003 for B2 is in the loan file. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Received First Payment Letter- amounts match Final XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX AND XXX - Buyer-XXX<br> Open-Missing First payment letter. - Due Diligence Vendor-XXX |  | Resolved-Received First Payment Letter- amounts match Final HUD/CD - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010518 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial XXX Disclosure | Waived-XXX Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-XXX Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV below max allowed of XXX%<br> Qualifying DTI below maximum allowed - XXX% DTI below XXX% max allowed<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010533 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received bank statements with sufficent reserves. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and XXX - Seller-XXX<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s). Assets listed on 1003 documentation not in file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX and XXX - Seller-XXX | Resolved-Received bank statements with sufficent reserves. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received Approval/Underwriting Summary. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 uploaded - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XXX |  | Resolved-Received Approval/Underwriting Summary. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received apprasal, market rent on XXX used to calculate DSCR. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet uploaded - Seller-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet - Buyer-XXX<br> Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. Appraisal and 1007 are missing from file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR Worksheet uploaded - Seller-XXX | Resolved-Received apprasal, market rent on XXX used to calculate DSCR. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Cert of good standing and XXX received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Certificate of Good standing with XXX uploaded - Seller-XXX<br> Open-The Business Entity Formation Document is incomplete. Provide Certificate of Good Standing and the XXX number for XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Certificate of Good standing with XXX uploaded - Seller-XXX | Resolved-Cert of good standing and XXX received. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review, this loan is vested to an LLC that has been on title since XXX. - Due Diligence Vendor-XXX<br> Counter-Received and review operating agreement stating borrower is sole owner, however documentation needed to support transfer of property from business to borrower individually. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business entity docs showing borrower as owner - Buyer-XXX<br> Open-Property Title Issue Title current XXX, no documentation to support borrower is owner. Opencorporates checked with no results of owner - Due Diligence Vendor-XXX |  | Resolved-After further review, this loan is vested to an LLC that has been on title since XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Missing | Resolved-XXX is fully present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Hazard Insurance uploaded - Seller-XXX<br> Open-Missing XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Hazard Insurance uploaded - Seller-XXX | Resolved-XXX is fully present - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Satisfactory XXX has been provided - Due Diligence Vendor-XXX<br> Open-Unsatisfactory XXX provided. No XXX - Due Diligence Vendor-XXX |  | Resolved-Satisfactory XXX has been provided - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-CDA provided supporting value. - Due Diligence Vendor-XXX<br> Counter-Appraisal received, however a secondary reveiw product was not provided and is required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal (subject to), 1004D, CDA, exception and approval for XXX compliant appraisal uploaded - Buyer-XXX<br> Open-Appraisal is Missing - Due Diligence Vendor-XXX |  | Resolved-CDA provided supporting value. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX month VOM subject property mortage and XXX XXX XXX to evidence paid current through the month prior to month of closing. - Buyer-XXX<br> Counter-Credit report provided does not show subject property, a VOM is required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Credit report - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing credit report - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Credit report - Seller-XXX | Resolved-Received payment history - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Borrower 1 Credit Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Credit report - Seller-XXX<br> Open-Borrower 1 Credit Report is Missing. Missing from loan file, only score page in file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Credit report - Seller-XXX | Resolved-Received Borrower 1 Credit Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR XXX - Seller-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet - Seller-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR XXX - Seller-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet - Seller-XXX | Resolved-Received DSCR Calculation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010538 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received bank statements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Assets and XXX uploaded - Seller-XXX<br> Open-Total Qualified Assets Post-Close amount is '$XXX'. Assets are Insufficient. Asset statements are missing from file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Assets and XXX uploaded - Seller-XXX | Resolved-Received bank statements. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, Qualifying score is XXX<br> Long term residence - Borrower has resided in primary for XXX years |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010557 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing required fraud report - Due Diligence Vendor-XXX |  | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX (XXX Mo. w/o proceeds)<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received XXX XXX business bank statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Borrower 1 Business Bank Statements Missing missing full XXX month bank statements - only XXX months provided - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received XXX XXX business bank statement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement Statement for the departing residence. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Guides require a minimum of XXX months of reserves. Missing evidence of proceeds from the sale of the borrower's departing residence as noted on the final loan application. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Received Settlement Statement for the departing residence. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain XXX for credit inquiries | Resolved-Received credit inquiry letter of explanation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-XXX for credit inquiries is missing. Missing XXX for credit inquiry reported on the credit report. Although there is an account opened the same month as the inquiry, an XXX to confirm/deny the relationship between the XXX is missing from the loan file. - Due Diligence Vendor-XXX |  | Resolved-Received credit inquiry letter of explanation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE regarding NSF/overdrafts. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-Per guides, up to three (3) NSF occurrences within the last XXX months are allowed. An LOE from the borrower must be satisfactory. Missing an LOE. - Due Diligence Vendor-XXX |  | Resolved-Received XXX regarding NSF/overdrafts. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final XXX from sale of non-subject property | Resolved-Received Settlement Statement for the departing residence. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing documentation to verify sale of the borrower's departing residence as indicated on the final loan application. - Due Diligence Vendor-XXX |  | Resolved-Received Settlement Statement for the departing residence. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010531 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received Settlement Statement for the departing residence. - Due Diligence Vendor-XXX<br> Ready for Review-Supporting Doc Uploaded - Buyer-XXX<br> Open-Total Qualified Assets Post-Close amount is '$XXX'. Assets are Insufficient. Short funds to close due to missing evidence of funds from sale of departing residence. - Due Diligence Vendor-XXX |  | Resolved-Received Settlement Statement for the departing residence. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required <br> Credit history exceeds minimum required - Credit history exceeds minimum required<br> Residual Income =/> XXX times $XXX monthly residual income - Borrower has $XXX of residual income, minimum required is $XXX. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010552 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Received blanket waiver. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. XXX waiver for appraisal platform used - Buyer-XXX<br> Open-Per guides, all appraisals must be ordered through an XXX (XXX). Appraisals that are not ordered through an XXX but are XXX compliant can be reviewed on an exception basis. Appraisal reflects "No AMC" and although the loan file contains a Certificate of Appraiser Independence, missing documentation to verify the appraisal was reviewed on an exception basis. - Due Diligence Vendor-XXX |  | Waived-Received blanket waiver. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010525 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010512 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Per updated Appraisal - \*The Subject Property Is Equipped With Functioning Smoke And XXX, Which Were Observed During The Inspection And Appear To Meet Local Safety Requirements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. appraisal update - Buyer-XXX<br> Open-Property Issues are identified for the property Missing confirmation/clarification as to XXX state requirements for XXX and XXX are installed to state mandate. Appraisal shows a photo of a XXX; however, it is undetermined if it is XXX and XXX is not stated. Other findings may apply. - Due Diligence Vendor-XXX |  | Resolved-Per updated Appraisal - \*The Subject Property Is Equipped With Functioning Smoke And CO Detectors, Which Were Observed During The Inspection And Appear To Meet Local Safety Requirements. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010512 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure has been received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. signed business purpose affidavit - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing XXX affidavit disclosure is not signed. DSCR requires XXX disclosure - Due Diligence Vendor-XXX |  | Resolved-The Business Purpose Affidavit Disclosure has been received - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010512 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Allow for XXX- borrower having a primary with a reverse mortgage and there is no payment history. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Exception request for First Time Investor with no primary housing expense payment history. Primary residence is encumbered by a reverse mortgage, therefore no payment history. Exception approved in loan file pg. XXX-XXX - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Allow for XXX- borrower having a primary with a reverse mortgage and there is no payment history. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX | Fico XXX<br> DSCR XXX<br> XXX months reserves, min required XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010516 | XXX | B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Lender exception in file for subject being a rural property. - Due Diligence Vendor-XXX |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. | FICO XXX points or more above requirement<br> Total Debt XXX% or more under requirement<br> Residual Income $XXX or more<br> Long Term Employment >XXX years<br> Long Term Homeownership >XXX years<br> Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010514 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received final settlement statement reflecting sufficient assets and reserves. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Seller-XXX<br> Counter-Received UW asset reconcilliation. Review is unable to locate final CD for XXX reflecting proceeds to borrower of $XXX. Please provide. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW rebuttal for reservers and assets - Buyer-XXX<br> Open-Total Qualified Assets Post-Close amount is '$-XXX'. Assets are Insufficient. Borrower is short cash to close and reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX - Seller-XXX | Resolved-Received final settlement statement reflecting sufficient assets and reserves. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO IS XXX, MINIMUM FICO IS XXX<br> LTV is less than guideline maximum - LTV IS XXX% MAXIMUM IS XXX% FOR XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010514 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final settlement statement reflecting sufficient assets and reserves. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Seller-XXX<br> Counter-Received UW asset reconcilliation. Review is unable to locate final CD for XXX reflecting proceeds to borrower of $XXX. Please provide. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW rebuttal for reservers and assets - Buyer-XXX<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Borrower is short reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX - Seller-XXX | Resolved-Received final settlement statement reflecting sufficient assets and reserves. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO IS XXX, MINIMUM FICO IS XXX<br> LTV is less than guideline maximum - LTV IS XXX% MAXIMUM IS XXX% FOR XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010514 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice Special Flood Hazard disclosure. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. flood zone acknowledgement - Seller-XXX<br> Counter-Received unsigned Notice to Borrower in XXX--please provide fully executed - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. flood cert - Seller-XXX<br> Open-Subject Property is in Flood Zone XXX but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. flood zone acknowledgement - Seller-XXX<br> Ready for Review-Document Uploaded. flood cert - Seller-XXX | Resolved-Received Notice Special Flood Hazard disclosure. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO IS XXX, MINIMUM FICO IS XXX<br> LTV is less than guideline maximum - LTV IS XXX% MAXIMUM IS XXX% FOR XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010566 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR worksheet provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX | Resolved-DSCR worksheet provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br>Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010566 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the 1003 indicates there is no mortgage on the primary, proof of the property is free and clear is not required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms borrower's primary housing expense (listed as no mortgage) is paid current, i.e. current tax bill and evidence of insurance as applicable. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX | Resolved-After further review, the 1003 indicates there is no mortgage on the primary, proof of the property is free and clear is not required. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br>Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010566 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-The lender used the tax amount, listed in the Preliminary Title Report, which is higher than the Tax Certificate in file. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX<br> Open-Missing Evidence of Property Tax Missing tax calculation worksheet which supports lender's monthly taxes of $XXX ($XXX per annum); tax certs provided show annual taxes of $XXX @ $XXX. Other findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR Worksheet. - Seller-XXX | Resolved-The lender used the tax amount, listed in the Preliminary Title Report, which is higher than the Tax Certificate in file. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br>Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010566 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client exception granted to allow for - Sale Restriction subject was listed for sale within past XXX months of application listing removed within XXX month of application. . <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Open-Loan does not meet guideline requirements for loans listed for sale. EXCEPTION: Approved for Sale Restriction subject was listed for sale within past XXX months of application listing removed within XXX month of application. <br> XXX results show listing removed has a most recent sale price of $XXX which is lower than XXX. <br> - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow for - Sale Restriction subject was listed for sale within past XXX months of application listing removed within XXX month of application. . <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br>Months Reserves exceed minimum required - Reserves: XXX Min XXX | Program Min FICO: XXX FICO: XXX<br> Program Min DSCR: XXX DSCR: XXX <br> Program Max LTV: XXX LTV: XXX<br> Program Min Reserves: XXX Own Reserves: XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2026010517 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Received fraud report. - Due Diligence Vendor-XXX | DSCR % greater than XXX - XXX<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010517 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | DSCR % greater than XXX - XXX<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010569 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-XXX |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> DSCR % greater than XXX - DSCR % XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010544 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Property XXX is owned in an entity. Missing entity documentation reflecting borrowers are owners of entity. - Due Diligence Vendor-XXX |  | Resolved-Received Operating Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrowers have XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010515 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received XXX Documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The XXX Formation Document is Missing. Investor to review and approve all Entity documentation. Missing XXX from loan file - Due Diligence Vendor-XXX |  | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010515 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010524 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX Not Provided | Resolved-XXX is fully present - Due Diligence Vendor-XXX<br> Open-XXX cert not in file. Feedback Cert pg. XXX indicates accept/ineligible. Subject to additional conditions. - Due Diligence Vendor-XXX |  | Resolved-XXX is fully present - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrowers' DTI is at XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - The minimum score required is XXX and the borrowers' qualifying score is XXX. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010524 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Counter-Received duplicate assets-please provide income calculation worksheet for XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing Missing from loan file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrowers' DTI is at XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - The minimum score required is XXX and the borrowers' qualifying score is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010524 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing The XXX report is missing from the loan file. - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrowers' DTI is at XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - The minimum score required is XXX and the borrowers' qualifying score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010524 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 XXX Credit Report is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 2 XXX Credit Report is Missing The XXX report is missing from the loan file. - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - The maximum DTI ratio is XXX% and the borrowers' DTI is at XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - The minimum score required is XXX and the borrowers' qualifying score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010522 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received XXX signed and dated. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Signed XXX- Buyer-XXX<br> Counter-Received signed XXX-missing signed XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Signed Returns - Buyer-XXX<br> Open-Borrower 1 Tax Returns Not Signed Missing signatures and no tax transcripts in file - Due Diligence Vendor-XXX |  | Resolved-Received XXX signed and dated. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010522 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received correct XXX for B2 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing B2 XXX has wrong borrower and company name - Due Diligence Vendor-XXX |  | Resolved-Received correct XXX for B2 - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010509 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed XXX is Missing | Resolved-Received updated XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. signed XXX - Buyer-XXX<br> Open-Borrower 2 Executed XXX-XXX is Missing DU did not validate income therefore XXX years XXX required. Only XXX year reflected - Due Diligence Vendor-XXX |  | Resolved-Received updated XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> Months Reserves exceed minimum required - XXX months verified exceeds XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010509 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client provided a blanket waiver allowing appraisals to be ordered through panel rather than XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX blanket waiver - Buyer-XXX<br> Open-Appraisal not completed by XXX - Due Diligence Vendor-XXX |  | Waived-Client provided a blanket waiver allowing appraisals to be ordered through panel rather than XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> Months Reserves exceed minimum required - XXX months verified exceeds XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010508 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect XXX Form Type selected | Resolved------Received corrected XXX XXX for both borrower and co-borrower. Finding Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-The Incorrect XXX Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'XXX (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Incorrect XXX form. - Due Diligence Vendor-XXX |  | Resolved------Received corrected XXX XXX for both borrower and co-borrower. Finding Resolved. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV IS XXX%; Below max allowed of XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO IS XXX, MINIMUM IS XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010530 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010511 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Management VOR provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. VOR from management uploaded--per the guidelines, XXX month proof of payment history not required - Seller-XXX<br> Counter-Exception request provided, however the approval from the client is for HOA reserves. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "No Housing history" Exception request and approval uploaded for review - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing XXX month rental history - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. VOR from management uploaded--per the guidelines, XXX month proof of payment history not required - Seller-XXX<br> Ready for Review-Document Uploaded. "No Housing history" Exception request and approval uploaded for review - Seller-XXX | Resolved-Management VOR provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010511 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved-Received Appraisal w/photos. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal with subject photos and subject photo addendum uploaded - Buyer-XXX<br> Open-Provide clear original photos. Subject to additional conditions - Due Diligence Vendor-XXX |  | Resolved-Received Appraisal w/photos. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010511 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received XXX attestation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 With XXX attestation uploaded - Seller-XXX<br> Open-Missing from loan file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1008 With UW attestation uploaded - Seller-XXX | Resolved-Received UW attestation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2026010511 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | XXX is Missing | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010506 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010510 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010520 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for NO XXX appraisal (but XXX compliant) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval for NO XXX appraisal (but XXX) uploaded for review - Buyer-XXX<br> Counter-Received evidence of appraisal delivery-finding remains-Guides: All appraisals must be ordered through an XXX (XXX). Appraisals that are not ordered through an XXX but are XXX compliant can be reviewed on an exception basis. No exception/approval in loan file - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Property Issues are identified for the property Appraisal indicates No XXX. Guides: All appraisals must be ordered through an XXX (AMC). Appraisals that are not ordered through an XXX but are XXX compliant can be reviewed on an exception basis. No exception/approval in loan file. Subject to additional conditions. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for NO XXX appraisal (but XXX compliant) - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX | XXX months of reserves<br> XXX fico<br> XXX% DTI | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010507 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. XXX prepay to an LLC. - Due Diligence Vendor-XXX<br> Open-Per XXX Department of Banking & Insurance XXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXX Law a prepayment penalty is not permitted to be charged to an LLC \*\*\* - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non material finding with comp factors. XXX prepay to an LLC. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The minimum Fico score is XXX and the borrower's fico score is XXX.<br> LTV is less than guideline maximum - The maximum LTV ratio is XXX% and the LTV is XXX%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2026010505 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2026010565 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2026010576 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised Appraisal with refrigerator unchecked. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. corrected appraisal,boxunchecked photo shows outlet for refrigerator - Buyer-XXX<br> Open-Property Issues are identified for the property Appraisal indicates refrigerator; however, not in photo of kitchen. - Due Diligence Vendor-XXX |  | Resolved-Received revised Appraisal with refrigerator unchecked. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2026010576 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received document - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business purpose letter in Executed closing package - Buyer-XXX<br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-XXX |  | Resolved-Received document - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |

---

## Exhibit 99.9

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2026010560 | XXX |  | XXX D C A B |
| 2026010564 | XXX |  | XXX A D |
| 2026010561 | XXX |  | XXX C B A |
| 2026010562 | XXX |  | XXX A |
| 2026010559 | XXX |  | XXX C A |
| 2026010541 | XXX |  | XXX D A |
| 2026010556 | XXX |  | XXX C A |
| 2026010563 | XXX |  | XXX D A |
| 2026010578 | XXX |  | XXX C A |
| 2026010575 | XXX |  | XXX C A |
| 2026010547 | XXX |  | XXX D A |
| 2026010528 | XXX |  | XXX D A |
| 2026010549 | XXX |  | XXX D A |
| 2026010570 | XXX |  | XXX A |
| 2026010551 | XXX |  | XXX C A |
| 2026010555 | XXX |  | XXX A B |
| 2026010545 | XXX |  | XXX D A |
| 2026010523 | XXX |  | XXX C A |
| 2026010580 | XXX |  | XXX C A B |
| 2026010534 | XXX |  | XXX C A B |
| 2026010529 | XXX |  | XXX A C |
| 2026010539 | XXX |  | XXX D A B |
| 2026010537 |  | XXX | XXX A |
| 2026010568 | XXX |  | XXX D A |
| 2026010554 | XXX |  | XXX D A C |
| 2026010546 | XXX |  | XXX C D A |
| 2026010567 | XXX |  | XXX C A B |
| 2026010577 | XXX |  | XXX C A |
| 2026010579 | XXX |  | XXX A |
| 2026010536 | XXX |  | XXX A |
| 2026010548 | XXX |  | XXX D A B |
| 2026010571 | XXX |  | XXX D A B |
| 2026010527 | XXX |  | XXX A |
| 2026010535 | XXX |  | XXX A |
| 2026010543 | XXX |  | XXX D B A |
| 2026010540 | XXX |  | XXX D A |
| 2026010513 | XXX |  | XXX A |
| 2026010532 | XXX |  | XXX C A |
| 2026010574 | XXX |  | XXX A |
| 2026010573 | XXX |  | XXX A |
| 2026010521 | XXX |  | XXX A |
| 2026010553 | XXX |  | XXX D A |
| 2026010518 | XXX |  | XXX D A B |
| 2026010533 | XXX |  | XXX A |
| 2026010538 | XXX |  | XXX D A |
| 2026010557 | XXX |  | XXX D A |
| 2026010531 | XXX |  | XXX D A |
| 2026010552 | XXX |  | XXX C A B |
| 2026010525 | XXX |  | XXX A |
| 2026010512 | XXX |  | XXX D A B |
| 2026010516 | XXX |  | XXX B A |
| 2026010514 | XXX |  | XXX C A |
| 2026010566 | XXX |  | XXX D A B |
| 2026010517 | XXX |  | XXX D A |
| 2026010569 | XXX |  | XXX C A |
| 2026010544 | XXX |  | XXX C A |
| 2026010515 | XXX |  | XXX C A |
| 2026010524 | XXX |  | XXX D A |
| 2026010522 | XXX |  | XXX D A |
| 2026010509 | XXX |  | XXX D A B |
| 2026010508 | XXX |  | XXX A C |
| 2026010530 | XXX |  | XXX A |
| 2026010511 | XXX |  | XXX C B D A |
| 2026010506 | XXX |  | XXX A |
| 2026010510 | XXX |  | XXX A |
| 2026010520 | XXX |  | XXX C A B |
| 2026010507 | XXX |  | XXX C A B |
| 2026010505 | XXX |  | XXX A |
| 2026010565 | XXX |  | XXX A |
| 2026010576 | XXX |  | XXX C A |

---

## Exhibit 99.10

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller<br> Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2026010560 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit calculated higher XXX amounts |
| 2026010564 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | 1008 DTI XXX%, audit DTI XXX%, within XXX% |
| 2026010561 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per final 1008, lender did not include B2 investment property into DTI. |
| 2026010562 | XXX |  | XXX | Lender Name | notePage | XXX | XXX | per note |
| 2026010541 | XXX |  | XXX | Refinance Type | the1003Page | XXX | XXX | Borrower getting over XXX% cashout |
| 2026010563 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2026010578 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Appraisal confirmed XXX property |
| 2026010575 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report - Attached XXX Townhouse |
| 2026010547 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Middle of XXX scores for higher monthly income |
| 2026010547 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Bonus income lower at audit vs. origination. |
| 2026010551 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches DTI with Lender 1008 |
| 2026010555 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per XXX. |
| 2026010545 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | True Data value DSCR match the 1008 |
| 2026010523 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2026010523 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per Credit Report |
| 2026010523 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance as lender did not include XXX taxes. |
| 2026010580 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Variance due to lender used lower/unsupported tax amount |
| 2026010534 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note. |
| 2026010534 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/sales price |
| 2026010529 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per Credit Report. |
| 2026010568 | XXX |  | XXX | Refinance Type | the1003Page | XXX | XXX | per CD |
| 2026010568 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2026010567 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note. |
| 2026010567 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 2026010577 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 2026010548 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per Loan Amount /Sales Price |
| 2026010548 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Variance as lender used lower PITIA |
| 2026010571 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2026010527 | XXX |  | XXX | Note Date | notePage | XXX | XXX | Notary Date is XXX. |
| 2026010527 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 2026010535 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Lender and audit match with LTV |
| 2026010535 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches the lender's DSCR worksheet. |
| 2026010543 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI matches 1008 |
| 2026010540 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2026010540 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | 1008 in file has incorrect figures for PITI and no total debts. Audit PITI and debts calculated correctly |
| 2026010513 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | per credit report |
| 2026010513 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | True Data value DSCR in line w/ lender DSCR calc |
| 2026010574 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender PITI higher than audit PITI |
| 2026010521 | XXX |  | XXX | Property Address | notePage | XXX | XXX | per Note |
| 2026010521 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2026010553 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Market rent/PITIA. Breakdown calculation not found in file |
| 2026010518 | XXX |  | XXX | Lender Name | notePage | XXX | XXX | Per Note |
| 2026010518 | XXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal |
| 2026010518 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal. No XXX dues |
| 2026010538 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 2026010557 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Tape data is current address |
| 2026010557 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Market Rent/ PITIA. |
| 2026010531 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note |
| 2026010525 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, primary middle score |
| 2026010512 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | audit DSCR matches 1008 |
| 2026010566 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | True Data value DSCR match the DSCT XXX |
| 2026010517 | XXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | loan amount/sales price |
| 2026010517 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/sales price |
| 2026010544 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2026010515 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report |
| 2026010515 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per DSCR worksheet. |
| 2026010524 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | B1 main wage earner score, per cbr. |
| 2026010524 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The 1008 in the loan file shows the lender did not include taxes & insurance for the borrowers' primary residence. Additionally, income was calculated slightly lower than lender |
| 2026010522 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2026010522 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches final 1008 and DU |
| 2026010509 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Inline with DU and 1008 |
| 2026010511 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per note |
| 2026010520 | XXX |  | XXX | Borrower 1 First Name | notePage | XXX |  | Per Note |
| 2026010520 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2026010507 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/sales price |
| 2026010507 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | per 1008 |
| 2026010505 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal |
| 2026010565 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit is using higher taxes |
| 2026010576 | XXX |  | XXX | Note Date | notePage | XXX | XXX | per Note |
| 2026010576 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | audit DSCR matches DSCR XXX in file |

---

## Exhibit 99.11

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.11**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2026010560 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010564 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXX |
| 2026010561 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010562 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2026010559 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2026010541 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2026010556 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010563 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010578 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010575 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010547 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010528 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010549 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010570 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010551 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2026010555 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXX |
| 2026010545 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1.7 | XXX |
| 2026010523 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010580 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010534 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.3 | XXX |
| 2026010529 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXX |
| 2026010539 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010537 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXX |
| 2026010568 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010554 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010546 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX | Not Eligible | 1.1 | XXX |
| 2026010567 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010577 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010579 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010536 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010548 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010571 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010527 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2026010535 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010543 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2026010540 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0.00 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 2.6 | XXX |
| 2026010513 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2026010532 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXX |
| 2026010574 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0.00 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible |  |  |
| 2026010573 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010521 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX |
| 2026010553 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010518 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010533 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010538 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010557 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010531 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2026010552 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX | Not Eligible | 2.4 | XXX |
| 2026010525 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2026010512 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2026010516 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010514 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible |  |  |
| 2026010566 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010517 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010569 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010544 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010515 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010524 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010522 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2026010509 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1.4 | XXX |
| 2026010508 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0222 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0222 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible |  |  |
| 2026010530 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010511 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010506 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 2 | XXX |
| 2026010510 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0476 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXX |
| 2026010520 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2026010507 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2026010505 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010565 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010576 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |

---

## Exhibit 99.12

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.12**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of Angel Oak Mortgage Fund EU B LLC (the "Client"). The review included a total of 502 newly originated residential mortgage loans, in connection with the securitization identified as Angel Oak Mortgage Trust 2026-1 (the "Securitization"). The Review was conducted from June 2025 through January 2026 on mortgage loans originated between June 2025 and December 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Clients prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General
 QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than the applicable dollar
 amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than the applicable
 dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home with a loan amount
 equal to or greater than the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Clients or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Clients.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Clients.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (502 loans in total):

Three hundred seventy-four (374) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Forty-one (41) loans had an AVM, fourteen (14) loans had Secondary Appraisals, one (1) loan had a Field Review, and one hundred thirteen (113) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were two (2) instances of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 502 mortgage loans reviewed, two hundred eighty-one (281) unique mortgage loans (55.98% by loan count) had a total of nine hundred eighteen (918) tape discrepancies across twenty-four (24) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;275 | &nbsp;&nbsp;29.96% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;221 | &nbsp;&nbsp;24.07% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;124 | &nbsp;&nbsp;13.51% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;78 | &nbsp;&nbsp;8.50% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;39 | &nbsp;&nbsp;4.25% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;36 | &nbsp;&nbsp;3.92% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;35 | &nbsp;&nbsp;3.81% |
| &nbsp;&nbsp;Underwriting Exception in File? | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.42% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Mo. Tax | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Grand Total | &nbsp;&nbsp;918 | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 420 | $215058825.00 | 83.67% |
| Event Grade B | 82 | $49232306.00 | 16.33% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| Total Sample | 502 | $264291131.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 449 | 89.44% |
| Event Grade B | 53 | 10.56% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 502 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 219 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 219 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 219 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 257 | 90.81% |
| Event Grade B | 26 | 9.19% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 283 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 492 | 98.01% |
| Event Grade B | 10 | 1.99% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 502 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;301 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;6 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Income 3 Months Income Verified is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income 4 Months Income Verified is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income 1 Months Income Verified is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset do not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Unable to Determine borrower citizenship | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 5 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Personal Bank Statements Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Updated Credit Report Supplement | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Credit Report Aged | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***533*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds guideline | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive Cash-Out Refinance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Violation: Property is not Owner Occupied | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Minimum Credit Score Requirement Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Occupancy Not Allowed | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***56*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;174 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;CD: Liability After Foreclosure Not Complete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;CD: General Form Requirements Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Closing Disclosure Deficiency | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Ark. Code Ann. § 23-39-513 (10) Ark. Code Ann. § 23-53-104 (b) A.C.A. § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;CD: Refinance Statement Not Present | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***298*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;16 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;263 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;4 |

---

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| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;4 |
| | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Cert or Evidence not in a Flood Zone Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Was lowest appraised value used to qualify is No | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***297*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |

---

**Event Grade Definitions**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Clients/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Clients review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

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## Exhibit 99.13

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.13**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 2026010414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX, XXX and XXX are reported not to be in good standing with the State of XXX. Additionally, the Operating Agreements submitted for the XXX entities are dated as of XXX and therefore have not existed in the current structure long enough to have provided sufficient income data. The operating agreements do not modify an existing LLC, they create XXX. | Document Uploaded. Uploaded revised XXX.; Document Uploaded. I have also uploaded an XXX and a XXX to address the Operating Agreements. thanks you!; Document Uploaded. Uploaded XXX showing business is Active.; Document Uploaded. Uploaded UW explanation and supporting docs. | XXX | Lender exception for being unable to confirm Borrower's percentage of ownership prior to XXX for each business approved by investor on XXX.; Please clarify that the approved exception is for being unable to provide the Borrower's percentage of ownership in XXX and XXX & as XXX% prior to XXX and provide a revised XXX where applicable. Thank you.; Due to the discrepancy in Operating Agreements in file dated XXX and XXX reports provided, we are unable to confirm the Borrower was XXX% prior to XXX for either business. In addition, XXX is listed Active from XXX on the XXX yet Inactive as of XXX on the XXX of State business search. Please provide documentation to confirm the Borrower was XXX% owner from XXX (to cover the XXX month timeframe of income used) for each business and documentation to confirm XXX Development was open and active within XXX days of XXX note date. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010414 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Wire receipt for gift funds in the amount of $XXX was less than the $XXX reflected on the gift letter and used to qualify. As a result, the borrower is now short the required XXX months reserves. Please provide verification of additional assets for sufficient reserves. | Document Uploaded. Hi, pls see the XXX from Bwr and review the Bank Statements and XXX know you already have the Bank Statements, but the XXX provides clarity. Thanks ; Document Uploaded. ; We don't have the XXX. We have a copy of the wire, which is acceptable. The XXX gift was applied as the XXX. Can you please clear; Document Uploaded. This should clear both open conditions, thanks | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX.; Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX; Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX; Thank you for providing the updated XXX statement to source the Borrower's $XXX wire to the XXX at closing. After receipt, it appears there was a large deposit of XXX (>XXX% of borrower's gross qualifying income) on XXX that needs to be sourced. Please provide the documentation to source the large deposit as required per section XXX of lender guidelines. Thank you.; There were XXX XXX wires to the XXX: 1) $XXX from the donor on XXX, which we have documented and is not the XXX in question; 2) another $XXX from the Borrower to the XXX on XXX from XXX #XXX which only had a balance of XXX as of XXX. Please provide the Borrower's updated XXX #XXX account that supported sufficient assets to cover the $XXX wire transfer. Thank you.; Document Uploaded. ; Thank you for providing the XXX $XXX wire from the Borrower to the XXX. It appears this $XXX wire came from the Borrower's XXX #XXX account, however, the most recent statement we have in file dated XXX only reflects an available balance of XXX. Please provide the most recent updated balance/statement for XXX #XXX for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s). Wire receipt for gift funds in the amount of XXX was less than the XXX reflected on the gift letter and used to qualify. As a result, the borrower is now short the required XXX months reserves. Please provide verification of additional assets for sufficient reserves. | Pls see other condition and info uploaded XXX; Document Uploaded. ; We don't have the XXX. We have a copy of the wire, which is acceptable. The XXX gift was applied as the XXX. Can you please clear | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Thank you for providing the updated XXX #XXX statement to source the Borrower's $XXX wire to the XXX at closing. After receipt, it appears there was a large deposit of XXX (>XXX% of borrower's gross qualifying income) on XXX that needs to be sourced. Please provide the documentation to source the large deposit as required per section XXX of lender guidelines. Thank you.; There were XXX XXX wires to the title company: 1) $XXX from the donor on XXX, which we have documented and is not the XXX in question; 2) another $XXX from the Borrower to the XXX on XXX from XXX #XXX which only had a balance of XXX as of XXX. Please provide the Borrower's updated XXX #XXX that supported sufficient assets to cover the $XXX wire transfer. Thank you.; Document Uploaded. ; Thank you for providing the XXX $XXX wire from the Borrower to the XXX. It appears this $XXX wire came from the Borrower's XXX #XXX account, however, the most recent statement we have in file dated XXX only reflects an available balance of XXX. Please provide the most recent updated balance/statement for XXX #XXX for review. Thank you.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The lender requires evidence of the the XXX gift funds from XXX from the XXX. A copy of the wire transfer was not provided. | Document Uploaded. The amt ending up changing | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. The file is missing a copy of the Initial CD dated XXX. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Missing verification of taxes, insurance, and/or XXX fees for non-subject property-The file is missing verification of XXX payment for the XXX, XXX and XXX. Provide proof of insurance for XXX. Provide verification of insurance and proof the property on XXX is free and clear. The Final 1003 reflects that the XXX is pending sale but the file does not provide proof of sale so the property is added in as XXX debt. Please provide proof the XXX payment or provide an executed statement from the borrower stating there are no HOA fees and proof of insurance for XXX and XXX. | Document Uploaded. I have included documents to show no XXX on XXX. <br>XXX. I have included sitex which documents the ownership. <br>XXX. Does not show an XXX. They are not required to have XXX, and we can just include taxes if need be. <br>They are not required to have XXX on these properties  | XXX | All XXX documentation received. Condition cleared.; Document Uploaded. Client provided the attached documents in response. ; Thank you for providing the attached documentation, however, we are still missing the following: XXX dues (if applicable) for XXX and XXX; XXX for XXX; and XXX, XXX, and Proof owned Free and clear for XXX. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX Credit Report dated within XXX-days of closing for all loans. Provide a XXX Credit Report dated within XXX-days of closing. | Document Uploaded. plz note the end of the report is XXX. thanks ; Document Uploaded. | XXX | Not required per guidelines. Okay to rescind per management.; Please provide XXX report dated within XXX days of Note date XXX (document provided was dated XXX and was not a XXX report). Thank you. | XXX | D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX and the loan closed XXX. Provide an executed Purchase Contract Addendum extending the Purchase Contract to XXX. <br> The Purchase Contract Addendum in file reflects Addendum No XXX. Provide a copy of Addendum No XXX. | Document Uploaded. | XXX | Extension to XXX received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010496 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses (XXX and XXX) dated within XXX (XXX) days of closing. State printouts in file dated XXX - loan closed XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per the lender's XXX dated XXX, the mortgage history requirement is XXX. However, audit was only able to verify four months of mortgage history for the borrower's primary residence on the credit report. According to the fraud report, the borrowers have owned the property since XXX. No additional mortgage history was found on the credit report, with the most recent reporting dated XXX, nor was documentation provided to confirm if the property was owned free and clear. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010491 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010394 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a collections opened XXX and reported XXX. Guidelines state No collections/charge offs/Judgments in past XXX months. | Document Uploaded. | XXX | Although Broker credit reflected a collection for $XXX as of XXX, a revised/updated tri-merge report was provided that confirmed the collection was removed. Lender used Broker credit scores conservatively. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010394 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require Purchase & XXX MIN FICO XXX I XXX% LTV.<br> XXX in the file cites this exception and approval is granted. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010394 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010394 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure or confirmation the lender has no affiliates. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The payment shock is XXX%. The applicable guidelines allow a maximum payment shock of XXX%. | Document Uploaded. | XXX | Received an updated XXX - Acknowledged by client - The payment shock is XXX%. The applicable guidelines allow a maximum payment shock of XXX%. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010498 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. Owner occupancy is in question due to conflicting information within the file. The initial appraisal dated XXX includes a comparable rent schedule, and the XXX for the subject property includes Coverage D, which typically applies to landlord policies. Additionally, the final Closing Disclosure reflects both a prorated rent credit and a credit for the transfer of the security deposit - these elements contradict both appraisals, which indicate the property is owner-occupied, despite the presence of rental-related credits at closing. | Document Uploaded. Uploaded XXX and XXX listing departure residence for rent. ; Document Uploaded. Please see uploaded email explanations from the XXX and also from the XXX agent and processor to address all of the occupancy concerns. | XXX | Departure residence listed for sale and unable to confirm Borrower never occupied the subject. Okay to accept per XXX. Condition cleared.; Letter of explanation in file does not indicate the departure residence as the property that is being prepared to be rented. The loan approval required an XXX from the Borrower regarding moving from the departure residence to the subject, however, that letter does not confirm relocating. Please provide a signed XXX from the Borrower confirming moving from XXX to the subject (departure residence is XXX in size and value, is only XXX a mile away from the subject, and appraisal was completed as an XXX with a 1007 rent schedule). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing letter of explanation | The borrower provided a letter dated XXX stating that, following closing, they intend to paint the property and complete minor updates to prepare it for rental. However, the letter does not specify which property is being referenced. | See other finding.; See XXX explanation. Uploaded to other finding. | XXX | Letter of explanation uploaded to Lender's system and attached to the specific property in question. Okay to accept. Condition cleared.; Letter of explanation in file does not indicate the departure residence as the property that is being prepared to be rented. The loan approval required an XXX from the Borrower regarding moving from the departure residence to the subject, however, that letter does not confirm relocating. Please provide a signed XXX from the Borrower confirming moving from XXX to the subject (departure residence is superior in size and value, is only XXX a mile away from the subject, and appraisal was completed as an XXX with a 1007 rent schedule). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Although an extension was provided, it only extended the closing deadline to XXX. The loan ultimately closed on XXX, and no updated extension reflecting the revised closing date could be located in the file. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing Letter of Explanation (Credit) | Audit was unable to locate a letter of explanation addressing why the initial appraisal, dated XXX, predates the application date of XXX. | See XXX email. This was a transferred appraisal. They are always dated prior to our application dates. | XXX | Transfer appraisal. XXX for effective date preceding application not applicable. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  | Please clear as I don't think there is anything for me to do? | XXX | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A; Material Finding; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010383 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the XXX was unable to locate a copy of the required extension. | Client provided attached document in response. | XXX | Received a copy of the contract extension and confirmed it was moved to XXX. Resolved. ; Document Uploaded. ; | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010483 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX is Missing | XXX Missing The XXX is not in the file and is required by guidelines. | This is XXX approved project (XXX). XXX is not required when we XXX. <br>; Document Uploaded. | XXX | XXX approval in file on page XXX. Condition rescinded.; Thank you for providing the XXX. Please provide the XXX. Thank you. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010483 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material ; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010483 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The documents in the file support a XXX month bank statement income. The loan approval is for a XXX month bank statement income. Please provide documents that are consistent for income and approval. | Document Uploaded. Uploaded XXX showing program updated to XXX Business. Please upgrade the loan grade to an XXX. thanks! | XXX | Revised XXX reflecting XXX received. Condition cleared.; ; Material ; Material ; | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | ; Material ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX are not eligible under the XXX. | Document Uploaded. Uploaded XXX. | XXX | Lender exception for XXX on XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or revised XXX issued XXX. The Lender credit decreased on the CD issued XXX without a valid reason. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Uploaded missing XXX with XXX. | XXX | Received copy of missing XXX dated XXX and XXX dated XXX. Exception resolved.; Received copy of missing XXX dated XXX and XXX dated XXX. Exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required: A refund in the amount of XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or revised XXX issued XXX. The Discount Points and Transfer Taxes increased on the CD issued XXX without a valid reason. | Uploaded missing XXX with XXX to other finding. | XXX | Received copy of missing XXX dated XXX and XXX dated XXX. Exception resolved.; Received copy of missing XXX dated XXX and XXX dated XXX. Exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Please provide the Credit Score Disclosure (XXX) that was sent to the borrower. | Document Uploaded. Uploaded credit score discl. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require a FICO of XXX for an escrow waiver. XXX in the file cites this exception and approval is granted. |  |  | Re-reviewed the request per client email. The XXX guidelines do not require a minimum FICO score for escrow waivers. Condition should not have been approved by the client. Resolved - cleared accordingly. ; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; ; Exception Granted | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure required: Cure of XXX required for increase in Title Insurance and Closing Protection Fee without valid XXX. Fees were paid to affiliate of lender and disclosed on XXX. XXX provided does not indicate why fees increase. Cure requires PCCD, XXX, copy of refund check, and proof of mailing. | Document Uploaded. ; Document Uploaded. Hi Pls see the XXX it clearly states XXX Fee Changes XXX/XXX increase, why do they need to go into specifics when its obviously the Fees can increase. This should be sufficient this may need to be escalated | XXX | Lender confirmed title insurance fees are not paid to an affiliate; Exception resolved; Lender confirmed title insurance fees are not paid to an affiliate; Exception resolved; The fee is paid to an affiliate and therefore cannot increase without a valid XXX. Indicating the fee name that is change is not sufficient. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient XXX documentation is required to rebaseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied." To comply with the XXX requirements and rebaseline fee amounts, XXX will look to the XXX documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The XXX documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised XXX/CD but increase must correspond with actual change resulting from documented XXX and only fees related to the specific XXX are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that XXX of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per Lender Guidelines no collections allowed in the last XXX months. The borrower has a collection account reporting XXX that was also paid XXX per credit supplement provided. The collection account was opened XXX < XXX months. | Document Uploaded. | XXX | Lender exception for collection XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010377 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Cash to close is coming from a XXX; however, audit was unable to verify the borrower's name on the account. While an access letter was provided, the bank statement does not list the borrower as an account holder. If ownership cannot be verified, the funds must be treated as a gift and follow lender guidelines (Section XXX) This requires a gift letter, documentation of the wire transfer to closing, and verification that the borrower has sufficient reserves in their own funds. | Document Uploaded. Uploaded the wire confirmation from the gift donor's acct to the XXX. I'm sorry for the delay on this part!; Document Uploaded. That account used for funds to close is the borrower's XXX. I have uploaded a gift letter to verify the use of those funds. Please also see an updated 1008, 1003, and XXX adding the XXX to be used for reserves. | XXX | Gift documentation received. Asset Qualification Meets Guideline Requirements. Condition cleared.; Please provide documentation to confirm the XXX gift was either transferred to the Borrower's account or verification the donor gave the closing agent the gift in the form of either a certified check, cashier's check, money order, or wire transfer as required per guidelines. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010377 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010377 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide Initial CD for testing. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | Documentation required: Provide all LEs and CD's for testing along with supporting XXX. Loan file contained Initial LE and Final CD. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. This should clear all the Compliance Conditions | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010487 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure The Final Closing Disclosure reflects Gift Funds deposited to XXX in the amount of XXX. Lender correspondence in the loan file indicates the entry was done in error and the XXX was actually additional funds wired to XXX by the Borrower. In addition, the Loan Calculations section was blank. The loan file does not contain a copy of a corrected Closing Disclosure or a Post-Closing Closing Disclosure. <br> Documentation required to clear exception - Provide Post Closing Final Closing Disclosure showing the corrected information. Tolerance will be ran upon receipt. | Document Uploaded. I sent the borrower another email letting her know that page XXX and page XXX of the CD has been corrected and completed. I sent her a copy of the XXX again. ; Document Uploaded. The loan calculations section is filled in on the XXX that was uploaded on XXX Please let me know what is missing. I uploaded it again.; See other finding with items uploaded to clear all findings. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; XXX was provided however since information that was missing was from the Final CD and you would like to cure this finding an XXX is also required.<br> Please provide so that we can cure.; XXX: Missing Final Closing Disclosure The final CD provided was dated after consummation. The CD in file dated XXX that appears to have been sent to the borrower does not have a completed page XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CD: General Form Requirements Not Met | CD: General Form Requirements Not Met Documentation required: Provide completed Final CD for testing. Final CD missing completed Loan Disclosures section, Loan Calculations, and Other Disclosures. | See other finding with items uploaded to clear all findings. | XXX | CD: General Form Requirements Met | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CD: Liability After Foreclosure Not Complete | CD: Liability After Foreclosure Not Complete Documentation required: Provide completed Final CD for testing. Final CD missing completed Loan Disclosures section, Loan Calculations, and Other Disclosures. | See other finding with items uploaded to clear all findings. | XXX | CD: Liability After Foreclosure Complete | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CD: Refinance Statement Not Present | CD: Refinance Statement Not Present Documentation required: Provide completed Final CD for testing. Final CD missing completed Loan Disclosures section, Loan Calculations, and Other Disclosures. | See other finding with items uploaded to clear all findings. | XXX | CD: Refinance Statement Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan file does not contain the source of funds for the Borrower's XXX wire to XXX. The Closing Disclosure indicated there was gift funds of XXX given to Escrow, however, the CD entry was made in error, and the XXX was actually the Borrower's funds. Please provide the source of these funds. | The loan calculations section is filled in on the XXX that was uploaded on XXX Please let me know what is missing.; Document Uploaded. I have uploaded a copy of the wire confirmation of funds from borrower's XXX acct #XXX to the XXX. This confirms the funds came from the XXX, not a gift. I have corrected the XXX that credit as Borrower funds wired to closing (XXX attached with email to borr letting her know about the update). I have added a line item on page XXX of the XXX deducting those funds from the account and uploaded 1008, 1003, and XXX with updated reserves. See my comments explaining all on the XXX. This should clear up all of the findings on this loan. | XXX | Wire confirmation for $XXX from Borrower's XXX #XXX account received. Asset balance in that account reduced by the amount of the wire. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required to clear exception - Provide XXX notice. | Document Uploaded. Uploaded credit score dislcosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010379 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Guidelines Max NSF/OD: XXX in the past XXX months - XXX-borrower had NSF XXX Months: XXX. Client acknowledges. |  |  | Confirmed with guidelines, no set amount is listed for NSF/Overdrafts. Current amount is confirmed as sufficient with supporting information from client. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Taxes. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Received copy of PCCD, XXX, refund check and proof of delivery for testing- exception cured.; Cure package did not contain a copy of the check, will downgrade upon receipt of the copy of the check; The XXX is dated XXX but the loan amount increased on the XXX dated XXX and did not increase after that. The increase in transfer taxes were not disclosed timely | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010486 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit was unable to locate verification of XXX dues for the properties located on XXX. | Document Uploaded. ; Document Uploaded. | XXX | Received sufficient documentation for each property to confirm no XXX fees were due. Resolved. ; Please provide verification of XXX dues for XXX located at XXX, XXX, and XXX (documentation provided verified PITI). Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010486 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX § 23-39-513 (10) XXX. § 23-53-104 (b) XXX § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | XXX. § 23-39-513 (10) XXX. § 23-53-104 (b) XXX. § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. | Document Uploaded. it is listed on the 1008 | XXX | XXX. § 23-39-513 (10) XXX. § 23-53-104 (b) XXX. § 23-53-104 - Tangible Net Benefit Disclosure was provided prior to or at consummation. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010486 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010486 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Bank statement questionnaires for both businesses are incomplete; the operating detail section has not been filled out. | Document Uploaded. Uploaded the questionnaires again. The XXX details is filled out so maybe it didn't come over on your side? Let me know. | XXX | Complete XXX received. Income and Employment Meet Guidelines. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Audit was unable to locate documentation confirming XXX for the property located on XXX, with the amount not to exceed XXX. | Document Uploaded. Uploaded all docs for XXX. | XXX | Income XXX Months Income Verified is Present Or Not Applicable; PITIA for XXX located on XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Audit was unable to locate documentation confirming XXX for the property on XXX, with the amount not to exceed XXX. | Document Uploaded. Uploaded XXX info for XXX. | XXX | Income XXX Months Income Verified is Present Or Not Applicable; PITIA documentation for property located on XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing audit could not locate documentation verifying the existence of the borrower's business, XXX, dated within XXX (XXX) days of closing. Borrower 1 3rd Party VOE Prior to Close Missing audit could not locate documentation verifying the existence of the borrower's business, XXX, dated within XXX (XXX) days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Audit was unable to locate a satisfactory explanation for the credit inquiry with XXX and XXX dated XXX, as required by lender guidelines section XXX. | Document Uploaded. Uploaded XXX regarding the credit inquiry with XXX - no new credit obtained. | XXX | Credit Inquiry explanation received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Audit was unable to verify a satisfactory XXX-month mortgage history for the property located on XXX, associated with XXX #XXX. | Document Uploaded. Upload includes a XXX that shows property purchased in XXX, Note, and mortgage statements showing payments. | XXX | Housing History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010393 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010403 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. While #XXX reflects XXX as of XXX, additional statements were provided for XXX & XXX. the balance as of XXX reflects $XXX, loan closed XXX - audit using the most current balance of $XXX.  | Document Uploaded. ; Document Uploaded. | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX.; XXX #XXX provided is not reflected on the final 1003 in the Asset Section, therefore, cannot be used. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010403 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) While #XXX reflects XXX as of XXX, additional statements were provided for XXX & XXX. the balance as of XXX reflects $XXX, loan closed XXX - audit using the most current balance of $XXX. | Document Uploaded. ; Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); XXX #XXX provided is not reflected on the final 1003 in the Asset Section, therefore, cannot be used. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010403 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010403 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010373 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | No evidence of required debt payoff | The file is missing proof that the $XXX XXX was made prior to or at closing. | Document Uploaded. | XXX | Lender exception to include monthly payment on XXX debt vs. paying off at closing approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010373 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The purchase contract expired on XXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010373 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX, which exceeds XXX percent of the total loan amount of XXX; orThe loan amount is less than XXX but at least XXX, and the transaction's total points and fees is XXX, which exceeds XXX; orThe loan amount is less than XXX but at least XXX, and the transaction's total points and fees is XXX, which exceeds XXX percent of the total loan amount of XXX; orThe loan amount is less than XXX but at least XXX, and the transaction's total points and fees is XXX, which exceeds XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX, which exceeds 8 percent of the total loan amount of XXX.XXX |  |  | loan is originated as XXX | XXX | C B A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010373 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Per the disclosure tracker in file the initial CD was issued to the borrower on XXX. Please provide a copy of the initial CD for review. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010373 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Exception granted for payment shock. Maximum payment shock permitted: XXX% - XXX, actual payment shock XXX. Rationale: current home is owned free & clear. XXX has a mortgage. |  |  | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Exception granted for payment shock. Maximum payment shock permitted: XXX% - XXX, actual payment shock XXX. Rationale: current home is owned free & clear. XXX has a mortgage. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum XXX days prior to consummation. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Lender Matrix, Max DTI for LTV's >XXX% is XXX%. | Document Uploaded. | XXX | Lender exception for DTI >XXX% approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate XXX for XXX dated within XXX (XXX) days of the note date of XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the XXX was unable to locate a copy of the required extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide the XXX dated within XXX business days from application | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational Only; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010365 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| 2026010324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines reflect no Collection accounts are allowed within the last XXX months. The Borrower's credit report reflects a Collection account opened in XXX, which was less than XXX months from the subject loan closing. The file does not contain evidence of a Lender approved Exception. | Document Uploaded. | XXX | Lender exception to allow collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Updated Credit Report Supplement | Audit could not locate verification of the monthly XXX for property located on XXX with the XXX not to exceed $XXX. | Document Uploaded. ; Hi pls confirm: The amt XXX you are referring to is the amt to address XXX per 1003. | XXX | XXX on Borrower's primary residence appears to be a commercial loan not reporting on credit, XXX not attached. Lender included a XXX% payment for the commercial XXX conservatively. Condition cleared.; Per the 1008, the XXX payment on the Borrower's primary residence is also XXX, therefore, that is what we used at the time of the review. We are missing the documentation to confirm the XXX XXX payment for the property located on XXX (Borrower's primary residence). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Per the lender's Clear to Close document, the contract closing date is listed as XXX. If the actual closing occurs after this date, a fully executed extension must be executed at or prior to closing. The subject loan closed on XXX; however, the XXX was unable to locate a copy of the required extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Final CD reflects a XXX gift was deposited at closing. The lender XXX requires the originator to document that the XXX gave the closing agent the gift funds in the form of a certified funds check, cashier's check, money order or wire transfer. The file missing proof of the gift funds wired to the closing agent. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010478 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Per lender guideline XXX, a minimum of XXX% of the purchase price, along with required reserves, must be sourced from the borrower's personal or business funds for investment property transactions. | Document Uploaded. ; Hi correct the XXX% (XXX) down the Bwr had those funds, so can you pls revise your condition to not include the XXX% down?; Pls re-visit this as the XXX acct #XXX dated XXX had a bal of XXX prior to XXX of the Gift Funds of XXX. Therefore, Bwr had the XXX% (XXX) x XXX% = XXX and Bwr had this amt in acct prior to the XXX in Gift Funds | XXX | Lender exception to allow use of gift funds towards Borrower's own funds approved by investor on XXX; Borrower's own funds available to put into the transaction was XXX (this amount includes the XXX) which is insufficient to cover the XXX% Borrower own funds of XXX and reserves of XXX. As a result, the Borrower did not have enough of their own funds to cover the minimum of XXX% down or reserves, therefore, the verbiage of the condition remains unchanged.; Per guides, XXX% down (XXX) and reserves (XXX) totaling XXX must come from Borrower's own funds. Total assets verified of XXX Earnest money = XXX minus the $XXX gift leaves only XXX of the borrower's own funds for down payment and reserves which is insufficient to cover the XXX required. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Per lender guideline XXX, gift funds cannot be applied toward reserves for XXX. The borrower currently falls short by XXX in own funds needed to meet this requirement. | Document Uploaded. | XXX | Lender exception to allow the use of gift funds towards reserves approved on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrower's primary housing expense with XXX in the amount of $XXX has not been verified. | Document Uploaded. ; Document Uploaded. | XXX | PITIA for primary residence located on XXX received. Condition cleared.; Thank you for providing the XXX for XXX, however, we are missing the PITI documentation to support XXX as reflected on the 1003. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Audit could not locate verification of the existence of the borrowers businesses dated within XXX (XXX) days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE dated post close provided, allowed per lender guidelines XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010284 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX for rental at on XXX has not been verified. Provide proof of XXX for the property on XXX. | Document Uploaded. ; Document Uploaded. | XXX | PITIA documentation received for XXX. Condition cleared.; Thank you for providing the PITI documentation for XXX. We are still missing the documentation on the XXX dues of $XXX/mo reflected on the 1003. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The bank statements in the file reflect the owner is XXX. The file is missing proof that the borrower is the owner of XXX and proof of ownership percentage. | Document Uploaded. ; Document Uploaded. | XXX | Documentation received confirming Borrower as XXX% owner of XXX. Asset Qualification and Reserves using XXX% Meets Guideline Requirements. Condition cleared.; Articles of Organization provided does not indicate percentage of ownership Borrower has in XXX. Please provide documentation to confirm Borrower is XXX% owner of XXX to use XXX% of the business assets in XXX and #XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The VVOE on pg XXX is undated. The P&L prepared by the XXX is dated XXX. Provide a Verification of Employment dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010497 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the total amount of XXX is due to an addition of XXX and XXX. Fee on final CD (paid to provider on XXX). The total comparable charges increased by XXX with no valid XXX provided. <br>| Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package is missing a copy of the check, will downgrade upon receipt of a copy of the check | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Cure -- Provide evidence that consumer received the Credit Score Disclosure | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. ; Document Uploaded. ; Refund to Bwr amt is $XXX?; Hi did you take into acct of the Lender Credit of on the Final CD for XXX?; Pls advise what the Total refund is that you have, thanks | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package is missing a copy of the check; Will downgrade upon receipt of the check; Yes the updated cure amount is for XXX. <br> A portion of the Cure (of $XXX) was applied to the XXX% tolerance violation for increase in appraisal fee. The fee increased on the XXX XXX however it was ordered and paid for on XXX but not disclosed until XXX XXX violation total - XXX cure already given at consummation = $XXX cure required<br>XXX (Violation for Appraisal Fee increase of $XXX + $XXX for the increase in recording fees over XXX%)<br> - XXX (lender cure on Final CD)=<br> __________________<br> $XXX New Cure amount required with Cure Package. ; Updated cure amount to $XXX. $XXX was applied to the XXX% tolerance violation for increase in appraisal fee. The fee increased on the XXX XXX however it was ordered and paid for on XXX but not disclosed until XXX XXX violation total - XXX cure already given at consummation = $XXX cure required ; XXX cure required in the amount of $XXX for the increase in recording fees on the Final CD without a valid reason listed on the XXX provided. Cure package requires a XXX, XXX, Copy of refund check and proof of delivery to cure. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010457 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010453 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing final XXX from sale of non-subject property | The file is missing proof of the sale of the XXX at time of application that was pending sale. The debt was not added to the DTI The file contains a draft XXX for the sale with a settlement date of XXX. Provide an executed sale XXX from the transaction. | Document Uploaded. | XXX | Received the XXX Statement for the sale of Borrower's departure residence confirming payoff of mortgage. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010453 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010453 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010348 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of the initial CD issued XXX in the loan file. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing the 3rd Party VOE XXX-days prior to close for the borrower's self-employed business. Provide the required XXX Party VOE. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010454 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 XXX Letter Missing Provide the required Third Party accountant letter, Operating agreement (XXX) or equivalent stating ownership percentage or Operating Agreement/Bylaws, Partnership Agreement, Articles of Incorporation used to verify percentage of business ownership and the XXX. | Document Uploaded. ; Uploaded to other condition | XXX | XXX letter received. Although the letter does not reference the name of the Borrower's business, XXX were used to qualify and the letter does confirm XXX% owner as required per guidelines/matrix. Condition cleared.; XXX letter provided on page XXX of the XXX page document uploaded is not dated nor does it indicate the name of the Borrower's business that was used to qualify. Please provide a dated XXX letter confirming Borrower as XXX% owner of XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing The file is missing all bank statements to determine the borrower's income. Provide the required XXX months bank statement and the Income Calculation Worksheet for additional review. | Uploaded to other condition | XXX | Income XXX Months Income Verified is Present Or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines All income and employment documents are missing from the file: bank statements, bank statement analysis, bank statement questionnaire, XXX letter, and third party employment verification. | Uploaded to other condition | XXX | Income and Employment Meet Guidelines | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing the 3rd Party VOE that is required before closing. Provide the required 3rd Party VOE completed within XXX days of the closing date. | Document Uploaded. All the Income Info attached for ALL conditions | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Statements Missing | Borrower 1 XXX Missing The subject transaction is a XXX-month XXX loan. The file is missing the XXX-months XXX . Provide the required XXX and Income Worksheet for additional review. | Uploaded to other condition | XXX | Borrower XXX XXX Bank Statements Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per 1003, Borrowers are retaining their previous XXX. There are no documents in the file to negate this. The liability for the property causes a DTI issue. | Document Uploaded. ; Hi which XXX statement are you missing?; Document Uploaded. ; Document Uploaded. ; Document Uploaded. pls give me a breakdown of the XXX/XXX that you have? | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; The XXX statement for XXX used for income as reflected on your income worksheet.; Please provide the XXX statement used to calculate the income as reflected on the income worksheet (the XXX statement was received, however, that statement was not used to qualify per the worksheet provided).; It appears XXX #XXX was not used at time of qualification, therefore, the file did not include all XXX months of that account. To recalculate the income, please provide the statements for the months of XXX for XXX #XXX for evaluation. Upon receipt, all income will be re-evaluated to confirm it meets guidelines and DTI will be recalculated. Thank you.; The PITIA for XXX as documented is XXX. It appears the XXX property PITIA was not included in the DTI at time of qualification yet no documentation was provided to confirm the property was sold. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock is XXX% Guidelines require a maximum payment shock of XXX%. XXX in the file cites this exception and approval is granted. The Lender used XXX for the PITIA for the primary @ XXX of application. The actual PITIA was XXX. Had the lender used the actual PITIA the payment shock exception would not be required. Using the correct PITIA has a payment shock of XXX%. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract closing date is XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit was unable to locate documentation verifying XXX dues for the property located on XXX, nor was there an executed letter from the borrower confirming that no XXX exists. | Document Uploaded. | XXX | Documentation received confirming no XXX dues on XXX. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Documents include a Income quick calculator for XXX months. The file is a XXX month XXX and all Bank Statements are available. Please provide the income calculation worksheet for XXX months | Document Uploaded. | XXX | Corrected XXX reflecting XXX XXX received. Lender used lower income than what was listed on the XXX month income calculation worksheet. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Documents include a Income quick calculator for XXX months. The file is a XXX month XXX and all Bank Statements are available. Please provide the income calculation worksheet for XXX months | Document Uploaded. | XXX | Corrected XXX reflecting XXX received. Lender used lower income than what was listed on the XXX month income calculation worksheet. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010246 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Broker credit report. The loan file contains a soft put credit report dated XXX and the Lender's XXX-day report. The file does not contain the credit report reflecting the XXX credit scores used to qualify the Borrower. Please provide the Broker credit report. | Document Uploaded. Uploaded XXX credit report used for qualifying. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The Final 1003 indicates the proceeds from the sale of the Borrowers' current home was to be the source of funds used to purchase the subject property. Per the applicable guidelines, if the proceeds from the sale of a currently owned home are needed for the down payment and/or closing costs, a copy of the fully-executed settlement statement and proof of receipt of sufficient funds to close are required. The file contains a copy of the settlement statement, however, it was not executed. In addition, the file does not contain proof of the Closing Agent's receipt of the funds needed to close. Please provide the fully-executed settlement statement and proof of receipt of sufficient funds to close. | Document Uploaded. Uploaded seller's closing statement for sale of prior residence and wire confirmation of funds to XXX. I updated the assets section of the 1003. Uploaded 1008, 1003, and XXX with reserves updated. | XXX | Final Settlement Statement for sale of XXX residence confirming net proceeds and wired amount to XXX/settlement agent received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010296 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Cure- Provide Final Closing Disclosure signed at consummation. | Document Uploaded. Uploaded final CD. | XXX | XXX: Final Closing Disclosure Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Missing | Asset XXX Missing Lenders post close CD shows the transfer of funds from the sale of the XXX. Please provide the signed CD for the property at XXX. | Document Uploaded. | XXX | Settlement Statement for departure residence received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Guidelines state a XXX term qualified at XXX full PITIA Payment. Please provide an updated 1008 using the correct calculation for PITI. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required. Refund in the amount of XXX, cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee from XXX XXX to XXX XXX. The XXX dated XXX didn't provide any information on why the recording fee increased. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010460 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. The transaction took place on XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded an email from the closing attorney stating there was no contract extension signed - that there's a built in XXX day extension in the contract. Uploaded XXX for exception for missing amendment. | XXX | Lender exception for not obtaining a contract extension was approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX required: A refund in the amount of XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. Per the invoice dated XXX the borrower paid the full balance by XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010319 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. | hey. which maxtix are you reviewing as the one I have has the min at XXX? thanks | XXX | Minimum FICO is XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation Required: Provide the initial CD issued at least XXX days prior to consummation. | Document Uploaded. | XXX | Client provided copy of initial CD (proof of delivery was in original file) for testing; exception resolved; Client provided copy of initial CD (proof of delivery was in original file) for testing; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. A refund in the amount of XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or initial CD. The lender credit decreased on the CD issued XXX but is not accepted due to timing, the initial CD is missing from the loan file. | Document Uploaded. | XXX | Client provided copy of initial CD (proof of delivery was in original file) for testing; exception resolved; Client provided copy of initial CD (proof of delivery was in original file) for testing; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test.<br> (NC GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX XXX section of the full ComplianceAnalyzer report.While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. No Cure Required. XXX. Downgraded |  |  | Informational Only; XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010355 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Informational Only; XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010381 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | XXX is Missing | XXX Missing The subject is a XXX. Per Appraisal the the subject is managed by an XXX. Provide an XXX. | per the appraisal there is no hoa so no cert would be required; Document Uploaded. ; It is a XXX.. we don't do XXX on it. | XXX | No XXX present to obtain an XXX. Okay to accept per Management. Condition cleared.; Document Uploaded. ; Guidelines indicate all XXX require an XXX Cert/Project approval and do not indicate the appraiser can clear this requirement if no XXX dues are present. Please provide a XXX XXX cert approval as required per Section XXX. Thank you.; Section XXX of Lender guidelines indicates all XXX transaction must have a completed XXX Cert and a valid project approval dated within XXX days of closing. Although the subject is a XXX unit XXX, guidelines do not indicate they are exempt from an XXX cert/project approval. Please provide an XXX cert and valid project approval. Thank you.; Section XXX of Lender guidelines indicates all XXX transaction must have a completed XXX Cert and a valid project approval dated within XXX days of closing. Please provide an XXX cert and valid project approval. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010451 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010451 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010451 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Lender Guidelines required XXX months ownership for a cash-out refinance. The borrower has owned the property since XXX. The subject loan transaction does not meet the guideline requirement due to insufficient ownership seasoning. | Document Uploaded. | XXX | Cash Out Meets Guideline Requirements. Resolved. Confirmed this property is a XXX and is acceptable per the guidelines.; ; Lender exception for cash out refinance on a property owned less than XXX months approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Letter Missing | Borrower 1 XXX Letter Missing The file contains neither a XXX letter nor the Articles of XXX or Operating Agreement needed to establish the borrower's percentage of ownership in the business from which the qualifying income is being derived, as is required by guidelines. | Document Uploaded. | XXX | Borrower 1 XXX Letter Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Property/Appraisal General | Appraisal states the property is XXX. Provide a corrected appraisal that states the property is Owner Occupied. | This occupancy at the time of the appraisal is correct. The was a XXX - and not occupied due to the rehab of the subject. | XXX | Borrower had not yet moved into the property due to rehab and subject was XXX per photos. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan was submitted as a XXX-month XXX loan per the XXX and lock. However, the income documentation and calculator indicate that XXX were used, and XXX months of business statements were provided.<br> Since XXX months of XXX were not submitted, please either: Provide an updated XXX reflecting a XXX loan, or submit XXX months of XXX along with the corresponding XXX income calculator for review. | Document Uploaded. | XXX | Updated XXX received confirming XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing While the XXX letter was provided, it's not dated. | Document Uploaded. | XXX | Received XXX letter with date added. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Lenders 1003 shows an income loss for XXX. Please provide documentation showing business income for review. | Document Uploaded. | XXX | Updated 1003 received removing business with negative income that was not used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing XXX – need evidence that the property is free and clear. Lender must document: Taxes, insurance, and XXX dues. <br> Fully executed, unexpired lease, XXX months of bank statements showing rental income, and proof of XXX deposit (per the conditional approval). No rental income should be applied since tax returns were not provided. The property should either reflect a payment wash or account for negative income. | o Lease, XXX and XXX provided as well as property profile confirming subject was an XXX transfer and prior mortgages from XXX granting property were released confirming unencumbered and provides current property taxes. Property treated as wash as lease provided is higher than monthly obligations. | XXX | PITIA and rental income documentation received. Condition cleared.; Document Uploaded. ; After re-reviewing the file received, it does not appear any PITIA or lease/rental income documentation for XXX and XXX (or proof owned free and clear) was in file. In addition, we do not have any PITIA documentation for XXX (which was not sold per Processor Cert in file). Please provide all PITIA and lease/rental income (where applicable) for all XXX XXX properties. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing XXX – XXX property, retained as an investment with mortgage through XXX.<br> Please provide the following documentation: verification of PITIA, Copy of the lease, Security deposit, Bank statement showing the deposit. No rental income should be applied. The property should either reflect a payment wash or account for negative income. | Document Uploaded. Hey. I upld all docs here to clear all open exceptions. thanks ; o DTI already includes as a wash for XXX based on lease already provided for XXX monthly as well as lease deposit, XXX, XXX, XXX and XXX payment totaling XXX (less than XXX lease) already in file. | XXX | PITIA and rental income documentation received. Condition cleared.; After re-reviewing the file received, it does not appear any PITIA or lease/rental income documentation for XXX and XXX (or proof owned free and clear) was in file. In addition, we do not have any PITIA documentation for XXX (which was not sold per Processor Cert in file). Please provide all PITIA and lease/rental income (where applicable) for all XXX XXX properties. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing XXX – mortgage with XXX (#XXX). Per the conditional approval, the property is listed as pending sale and must net $XXX. However, the processor certification indicates the property is not being sold and that sufficient funds are available to close.<br> Please clarify whether the property will be sold prior to or at the closing of the subject property. If the property is not sold, provide documentation for PITIA and include the payment in the DTI calculation.<br>| Document Uploaded. ; Document Uploaded. XXX added did not effect DTI; o Property to be sold post-closing. DTI already includes XXX for property located at XXX which is secured by XXX | XXX | PITIA documentation received. Condition cleared.; HOA documentation for XXX was not provided in upload. Please provide documentation to verify the monthly HOA dues for XXX. Upon receipt, the DTI will need to be recalculated. Thank you.; Thank you for providing the PITIA documentation and lease/rental income documentation. It appears we are still missing the HOA documentation for XXX. Upon receipt, the DTI will need to be recalculated. Thank you.; Income XXX Months Income Verified is Missing; Document Uploaded. ; ; After re-reviewing the file received, it does not appear any PITIA or lease/rental income documentation for XXX and XXX (or proof owned free and clear) was in file. In addition, we do not have any PITIA documentation for XXX (which was not sold per Processor Cert in file). Please provide all PITIA and lease/rental income (where applicable) for all XXX XXX properties. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. The transaction took place on XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. ; Would an XXX amendment suffice? | XXX | Lender exception for not obtaining a purchase contract extension approve by investor on XXX.; New direction regarding contract extensions that was escalated to management indicates that if a contract extension is not obtained, an approved exception is required and loan will be downgraded to a B. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Source of funds for $XXX into acct #XXX on XXX to be documented - appears to be from cashing in CD, however no paper trail could be located in file to verify this information. | There is a transaction history showing the XXX deposited into their cash account, there is a summary of accounts showing the CD no longer open and terms of maturity of the CD found under the condition "proof of liquidation" condition. | XXX | $XXX CD XXX and shows it will mature on XXX. Deposit of $XXX on XXX and updated XXX account dated XXX shows CD closed/no longer open (XXX). All information in file lines up and confirms deposit was cashing in of CD. Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010308 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX has pending litigation. Per lender guidelines XXX, projects with pending litigation are typically ineligible. Litigation may be acceptable if it is determined to be minor and immaterial. Audit could not locate evidence where XXX has deemed the pending litigation as acceptable. | Document Uploaded. based on the XXX their is nothing list that would reflect major | XXX | XXX Underwriting Manager reviewed litigation and deemed the property acceptable based on comp factors. See page XXX. Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010468 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010468 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010468 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Closing Disclosure Deficiency | Provide final CD with partial payments section of the Loan Disclosures completed. | Document Uploaded. | XXX | Updated final CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date.  | Document Uploaded. Hey. this was sent to the borrower via XXX | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Affiliated Business Disclosure | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit could not locate verification of PITIA for the primary residence located on XXX with XXX not to exceed XXX or the XXX dues for property located on XXX not to exceed XXX. | Document Uploaded. | XXX | PITIA received for primary residence on XXX and XXX property on XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010482 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust lists the borrower as a XXX , while both the 1003 and XXX reflect the borrower as married. Please clarify and provide the appropriate corrected documentation. |  |  | The Deed of Trust is Present and Complete | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation Required- Provide missing Initial CD dated XXX and subsequent CD dated XXX. Disclosure Tracking Details verifies initial CD delivered to Borrower on XXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Please provide the CD dated XXX. The CD provided was dated XXX; The disclosure tracking indicates there is an initial CD dated XXX which was not provided; The CD provided was dated XXX; The disclosure tracking indicates there is an initial CD dated XXX which was not provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing The file is missing the mortgage statement and other documents to properly calculate the PITI and XXX for the investment property on XXX. | Document Uploaded. | XXX | PITIA for XXX received and matches what was used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010358 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010358 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010358 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational Only; HPML compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010416 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010416 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010416 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX cure required: Refund in the amount of XXX The XXX tolerance violation in the amount of XXX is due to an increase in the Broker fee from the XXX to CD. The initial CD issued on XXX is missing. Please provide the initial CD or need evidence of a valid XXX, XXX or proof of refund check to the borrower in the amount of XXX. | Document Uploaded. Uploaded the initial CD. | XXX | Initial CD with valid XXX provided; Exception resolved; Initial CD with valid XXX provided; Exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010416 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Provide the XXX dated XXX per the disclosure tracking summary on page XXX. | Uploaded initial CD to other finding. | XXX | Initial CD with valid XXX provided; Exception resolved; Initial CD with valid XXX provided; Exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010352 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010352 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010352 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total XXX is LESS than the Required Coverage Amount | The XXX of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The XXX is written for less than the loan amount. There is no replacement cost estimate nor does the XXX indicate that the coverage amount is predicated on the replacement cost. | Document Uploaded. XXX just sent me the XXX as a XXX unit. Dwelling is sufficient. ; Document Uploaded. ; The dwelling + dwelling extension totals XXX. The XXX uploaded previously shows a value of XXX and if you need to include the detached dwelling of XXX then that total required = XXX. Therefore the XXX does cover the XXX value of XXX. Please let me know if there is a further issue? Thanks!; Document Uploaded. Please see the email from the XXX and my questions to him. The policy has a dwelling extension amount to where once you add that to the dwelling, this amount exceeds the XXX value (to indicate dwelling is sufficient). | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; XXX provided on XXX and again on XXX appears to list the subject as a XXX, however, the subject is a XXX, therefore, we are unable to determine if the true replacement cost for the subject is $XXX. Since the replacement cost for a XXX dwelling is generally higher than a XXX, please provide a current/updated XXX that lists the subject as a XXX and confirms that the estimated amount of $XXX is sufficient. Thank you.; Material; The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). XXX provided appears to be listed as XXX, however, the subject is a XXX. Please provide a current/updated XXX. Thank you.; The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). XXX provided appears to be listed as XXX, however, the subject is a XXX. Please provide a current/updated XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of XXX is due to the increase of the transfer taxes fee on the final CD dated XXX without valid XXX. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee from XXX XXX to CD XXX. The XXX dated XXX doesn't provide a reason for the increase. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B C | C | C | C | C | C B | B | B | B | B | B |
| 2026010334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | Per the appraisal the subject property is located on XXX acre parcel. Per Lender Guidelines the maximum of XXX (XXX) acres is allowed, however parcel not exceeding XXX (XXX) acres maybe considered if typical for the XXX. The subject property is over XXX acres. The property acreage does not meet the Guideline requirements. | Document Uploaded. Uploaded XXX reflecting exception. | XXX | Lender exception for XXX acre parcel approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B C | C | C | C | C | C B | B | B | B | B | B |
| 2026010334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Occupancy Not Allowed | The subject transaction is an XXX which only allows Purchase & XXX for XXX only. The subject transaction is purchase of a XXX. The file contains an Exception from the Lender-Exception Type-Other-Property, Guideline-Income Documentation: Asset Qualifier, Maximum LTV: XXX%, Occupancy: Primary, Minimum Credit Score: XXX. Actual-Occupancy: Second. Rationale: Exception for XXX on XXX. Granted by Lender on XXX." |  |  | Exception provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B C | C | C | C | C | C B | B | B | B | B | B |
| 2026010279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Guideline Violation: Property is not Owner Occupied | XXX is not permitted under the XXX. The file contains an Exception approved on XXX by the Lender. |  |  | Exception provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender did not include full PITI for the property owned at XXX. When this property is included there is a DTI tolerance issue. | Document Uploaded. This was pd off with cash out on loan #XXX (upld). Therefore, the borrower was only hit with the taxes/insurance. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file is missing the required Third Party Valuation Product. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | XXX Is Missing Documentation required to clear exception, XXX Is Missing | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required: Provide evidence borrower received a copy of the appraisal. | Document Uploaded. Hey - this was sent to the borrower via XXX | XXX | Evidence of appraisal delivery provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010477 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. XXX in the file cites this exception and approval is granted |  |  | Exception provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B A | A B | A B | A B | A B | A |
| 2026010499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010499 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX indicates the XXX is a XXX-month XXX; however, audit did not find any XXX in the file. The lender must provide all applicable XXX along with an updated income calculator, or alternatively, submit a revised XXX reflecting a XXX-month XXX. | Document Uploaded. ; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; XXX received and updated reflecting correct loan program of XXX Personal Bank Statements.; CRSE received reflects XXX Business Bank Statement, however, the loan appears to have been a XXX Personal Bank Statement loan. Please provide a corrected CRSE. Thank you.; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX & XXX bank statements for account number XXX. | Document Uploaded. | XXX | Income and Employment Meet Guidelines | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010345 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010345 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010345 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing signed final CD and copy of wire to XXX from the sale of the XXX. Please provide a copy of the signed sale CD and a copy of the XXX to XXX for additional review. | Document Uploaded. Uploaded the Seller's settlement statement and the wire confirmation of funds from the XXX to XXX for our transaction. XXX was wired. You will see the settlement statement itemized out the XXX being sent over to XXX and then the remaining amount of XXX was due to our borr. So this is a total of just over XXX in total proceeds which supports the final 1003 amount. | XXX | Final Settlement Statement and wire to XXX for the sale of XXX received and matches what was used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010391 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval reflects total income as XXX. Per the 1008 the lender's income used for qualification is XXX. Provide an updated Credit Risk Summary & Exception Approval that reflects the correct qualifying income. | Document Uploaded. Uploaded XXX to include total income. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a XXX party VOE dated within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | There is no XXX listed in the document set. Please provide a XXX agreed upon by the buyer and seller. | Document Uploaded. ; Hey. this is XXX | XXX | Lender exception for purchase contract addendum not received approved by investor on XXX.; Contract of sale indicates the Borrower must close on the closing date scheduled by the Seller, however, no sale date was reflected in the contract. Please provide an addendum confirming the closing date of XXX. Thank you.; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010415 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010295 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010295 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010295 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010501 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a XXX, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of XXX is due to the increase of the transfer taxes fee on the XXX dated XXX without valid XXX. | Document Uploaded. ; hey. which XXX are you referring to. I am not showing which XXX the cost went up from and then an increase was on XXX. thanks | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved; The increase is actually in reference to the XXX that is paid to an affiliate subject to XXX%; The increase appears to be due to a loan amount increase however the date the increase was requested was not found in file to resolve | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower XXX ending #XXX with another person. The file is missing the account access letter from the other person | Document Uploaded. | XXX | Access Letter received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Contract is missing the XXX that reflects the XXX sales price. Please provide the signed XXX that reflects the final sales price. | Document Uploaded. | XXX | Purchase Contract Doc is complete.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a XXX Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010265 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010258 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010347 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Fraud report and title verify XXX months of housing history. It appears the borrower purchased the subject property XXX, Fraud Report shows no loans at that time. Guidelines require a XXX month housing history. Please provide documentation for review. | Document Uploaded. The address history was not exactly correct on the 1003. It has been corrected. We know the borrower has lived at the subject for at least XXX years. His XXX was issued in XXX with the subject address and his XXX and XXX reflect it as well. He has owned it since XXX free and clear so we have a XXX month housing history. We are just missing XXX months to meet the XXX month guideline. Please see XXX for exception. | XXX | Lender exception for XXX month history vs. XXX months required approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010347 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed and other initial disclosures were electronically signed on XXX. Earliest e-consent provided is dated XXX | Document Uploaded. See the last page and last line of the attached eConsent disclosure. He acknowledged it on XXX. | XXX | Evidence of eConsent is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010347 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2026010239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Loan proceeds in the amount of XXX from the subject transaction were used to pay off a XXX XXX and therefore the amount paid off should have been considered as cash out. However, the subject loan was underwritten as a no cash out refinance by the Lender. | Guidelines state in section XXX: Closed end XXX may be paid off and not considered cash out if the date of the Note is greater than XXX (XXX) <br> months.<br> This is a XXX on XXX and was taken out in XXX. | XXX | Cash Out Meets Guideline Requirements; Documentation received confirming lien was a seasoned closed end second, therefore, not considered cash out. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan file does not contain a payment history for the XXX on the subject property, which was being paid off with loan proceeds. In addition, the loan file contains evidence of a XXX on the subject property that was not being paid off. The file contains correspondence between the Lender of the the third lien and the subject Mortgage Broker. The Lender stated the XXX, which was not reflected as a lien on the XXX, was being released without payoff, as the loan was cross collateralized using the Borrower's business assets. However, the Lender included a loan balance and payment for the loan, which was not verified in the loan file. Please provide the payment history for the current XXX and verification of the balance and payment for the other XXX that was not being paid off. | Document Uploaded. Uploaded all info for XXX loans with XXX - pay history and current balance and payment for other XXX. | XXX | Housing History Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not contain sufficient verification of the Borrower's primary residence payment amount. Although the current mortgage is reflected on the credit report, the loan file does not contain a statement verifying the payment includes taxes and insurance. In addition, the XXX reflects a monthly association fee that was not verified. Please provided verification that taxes and insurance are included in the monthly mortgage payment and verification of the monthly association fee. | Document Uploaded. ; Document Uploaded. Uploaded mtg stmt showing XXX included + XXX bill. I will provide an updated 1008 with XXX dues corrected. | XXX | PITIA for Borrower primary residence on XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 has an incorrect income listed for borrower XXX. Please revise using the bank statement income for review. | Document Uploaded. Uploaded 1008 with income corrected. DTI is now just over XXX%. XXX included with exception. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrowers income listed on the 1003/1008 is $XXX higher than calculated using the bank statement income provided. This creates a DTI tolerance issue. | Document Uploaded. Uploaded XXX with exception. | XXX | Lender exception for DTI of XXX% approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010378 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010378 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010378 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010209 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010209 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010209 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010209 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX with established XXX and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational Only; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide a copy of the initial CD and documentation to show the CD was received by the borrower at least XXX days prior to consummation<br> XXX XXX and XXX XXX were the only disclosures provided. Please provide all XXX and CD's so XXX testing can be completed <br> This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of XXX is due to decrease in XXX from XXX on XXX XXX to XXX on XXX XXX. <br>XXX XXX and XXX XXX were the only disclosures provided. Please provide all XXX and CD's so XXX testing can be completed and a copy of the XXX is applicable. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase is not considered to be an XXX | Purchase is not considered to be an XXX Exception for non-arms length transaction is mentioned on the 1008. Please provide the exception on the Credit Risk Summary & Exception Approval sheet for review. | Document Uploaded. | XXX | Lender exception for non-arms length transaction approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The contract closing date is listed as XXX, the actual closing date was XXX. The audit team was unable to locate a copy of the required extension. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of $XXX. XXX cites this exception and approval is granted. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification that properties XXX and XXX on the Final 1003 are not owned by the borrower. Per XXX in file the borrower states property XXX is not valid address and property XXX he does not own. Per Fraud Report dated XXX that is in the file - property XXX reflects "Address associated with borrower. Further information is not available" and property XXX reflects the borrower is the current owner. Please provide proof the borrower is not associated with these XXX properties. | Document Uploaded. Uploaded XXX and supporting docs that these properties are not associated with the borrower. Supports the borrower's XXX. | XXX | Document Uploaded. Evidence confirming XXX is not a valid address and that Borrower is not the current owner of XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010309 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX from our closer. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010309 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Loan closed XXX. The Purchase Contract Expired XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | ; Received an addendum to contract for the expiration date be changed from XXX to XXX. ; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010309 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposits into XXX - XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX and XXX on XXX | Hey. The deposits were not noted as XXX, so they were not backed out of the income, and I didn't source the deposits. thanks | XXX | Large deposits >XXX% are only required to be sourced on full doc loans. Subject is a Bank Statement loan, therefore, sourcing not required. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for current residence | Document Uploaded. | XXX | XXX months of bank statements in file reflect cleared rental payments. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery. The XXX tolerance violation in the amount of XXX is due to increase of the Appraisal fee on the CD issued XXX without a valid reason. Per the invoice dated XXX the borrower paid the full amount XXX, | Document Uploaded. ; Document Uploaded. ; lender credit given at closing | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX; Copy of refund check provided. Please provide copy of XXX, XXX and evidence cure package was delivered to the borrower.; The $XXX cure was applied to the $XXX processing fee since this fee was not disclosed originally on the XXX. An additional cure of $XXX or valid XXX is required | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026010278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a VOE within XXX days of closing. Please provide a VOE dated XXX or later | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026010278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2026010301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010301 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide evidence of XXX months mortgage rating up to close date. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide evidence of XXX months mortgage rating up to close date. | Document Uploaded. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Taxes. There is a XXX in file dated XXX which states a quitclaim deed was required, but loan there is a loan approval in file with condition added XXX regarding requirement of quitclaim deed. Closing Disclosure dated XXX where transfer taxes were increased is not dated within XXX days of the date the condition was added to the loan approval. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Valid XXX and XXX provided; exception resolved; Valid XXX and XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX, provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Amendment to XXX received. Subject loan closed XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | Compliant; Material ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX required: A refund in the amount of XXX, cure package: PCCD with XXX, copy of refund and proof of delivery. XXX and Recording services fees were added to the CD issued XXX without a valid reason (Interest rate is not a valid reason for title fees to be added/increased). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing source of funds for large deposit on XXX in the amount of XXX into account XXX. | Document Uploaded. Uploaded CD that matches proceeds amount to source large deposit in XXX #XXX on XXX; Document Uploaded. Borr provided his XXX payment canceled check for the XXX mtg pmt - due XXX; Document Uploaded. Uploaded XXX. | XXX | Source of large deposit received. Asset Qualification Meets Guideline Requirements. Condition cleared.; Unfortunately we are unable to tie the large deposit of $XXX to the loan proceeds from the new financing. Please provide a Settlement Statement or CD for the financing of XXX to confirm the large deposit was the net proceeds from that loan. Thank you.; The file is missing the documentation to verify the new XXX and the payment associated with the new financing, a separate exception for that documentation was issued. Upon receipt of the new XXX documentation, we will review what is provided to determine if we can tie that large deposit to the new XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A XXX on the departing property with XXX (Loan #XXX) does not appear on the credit report. A current statement confirming the monthly payment of XXX, along with the full payment history, is required. According to the fraud report, this appears to be a newly originated loan dated XXX. | Document Uploaded. Uploaded XXX. CD also verifies amount.; Document Uploaded. See XXX report - shows no XXX in upper left corner on page XXX under legal description. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Please provided the documentation to confirm the required monthly payment for the new mortgage is $XXX/mo as reflected on the Borrowers check (unfortunately a copy of the check from the Borrower does not confirm that is required monthly payment). Thank you.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Lender to confirm whether the correct property address is "XXX" or "XXX," as discrepancies exist across key documents including the Note, Deed of Trust, Appraisal, and Flood Certificate. All pertinent documents should be updated accordingly to reflect the verified address. If the Deed of Trust contains the incorrect address, it will need to be amended and re-recorded | Document Uploaded. XXX confirms the address should not include "N". Therefore the Note, DOT, and Flood Cert are all correct. Please see the uploaded appraisal with address corrected. | XXX | XXX confirmed address as XXX which matches the Deed of Trust and Note. Updated appraisal received correcting address. Deed of Trust is accurate. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide letter from borrower verifying there are no XXX dues for departure residence. | Document Uploaded. The XXX has also updated a few other items. The rental income for the departure residence has been removed. The bank statement worksheet was updated using the default XXX% expense ratio. Income updated. See updated 1008, 1003, and XXX.; Document Uploaded. See XXX - upper left corner under legal description it states no XXX. | XXX | XXX report confirms no HOA. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE Prior to Close within XXX-days of the note date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file is missing the required 3rd Party VOE completed within XXX-days of the closing date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. An updated VOE was provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Business generated XXX for XXX of the XXX months considered. Guidelines require the income source to be stable; this does not meet that requirement. | Document Uploaded. ; Document Uploaded. | XXX | Income and Employment Meet Guidelines; Received a LOX from the borrower dated XXX with decline decrease reasoning of using XXX separate business accounts at the time. Received other XXX (#XXX) statements covering XXX - XXX. Income is no longer considered declining.; Guidelines quoted in attached LOX are for TPR, however, this loan closed under XXX. Please see email from XXX dated XXX requesting additional review. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The is a potential for XXX of occupancy is present. The appraisal indicates that the property is tenant-occupied but the loan is presented as a XXX which cannot be leased or rented per Lender Guidelines. | Document Uploaded. | XXX | Corrected appraisal reflecting owner occupied received. Condition cleared.; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Property Issue(s) are Present | XXX or more issues or defects with the property have been discovered. The subject has been presented as a XXX, however the appraisal shows that it is presently XXX. Renting or leasing a XXX is not a permitted use of the property per Lender Guidelines. | Document Uploaded. | XXX | Updated appraisal report reflecting owner occupied received. The issue with the property has been resolved. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX is Missing | Missing XXX The project XXX and XXX is missing from the file. | Document Uploaded. | XXX | XXX is fully present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The borrower signed as "XXX" of an unnamed entity, but not XXX. The XXX is in the name of XXX, a XXX. | Document Uploaded. | XXX | The Note is Present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the XXX charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. The Final Closing Disclosure is missing from file. Dated XXX. Wet Signed CD in file is from XXX after Notary Date of XXX. Failing XXX Charge Test without accurate figures from Final CD. Document required to clear this exception is the Final CD Dated XXX. |  |  | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation is due to an increase in transfer taxes from XXX on the initial XXX to XXX on the XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the total amount of XXX is due to an increase in recording fee from XXX on the initial XXX to XXX on the PCCD. The total comparable charges increased by $XXX with no valid XXX provided. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure The final/consummation CD was not provided. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C | D C | D C | D C | D C | D B A | B A | B A | B A | B A | B |
| 2026010249 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Compliant; Material ; HPML Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010249 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010249 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Documents are Incomplete | An Earnest Money Deposit (XXX) of XXX was provided to XXX XXX on XXX. Subsequently, on XXX, XXX transferred the same amount to XXX. However, audit was unable to verify the origin of the initial XXX with a satisfactory XXX. | Document Uploaded. Hi, Since we are having an issue with the XXX of XXX we just deducted the XXX from the Assets since the Bwr has more than enough funds for closing/reserves, thanks ; Document Uploaded. Pls see the XXX on XXX as a Cashiers check was purchased ; Document Uploaded. Per the attached it appears that XXX sent the Funds ie XXX of XXX to XXX | XXX | $XXX XXX removed from available assets and updated 1003 received. Reserves are still sufficient after removing the XXX. Condition cleared.; We are unable to tie that $XXX withdrawal to the $XXX XXX since we do not have the initial XXX receipt dated XXX. Please provide the initial $XXX XXX receipt from XXX to match with the XXX withdrawal. Thank you.; Thank you for providing the wires. It appears we are missing a copy of the $XXX XXX check. Please provide a copy of the $XXX XXX cashier's check as required per guidelines. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Owner of XXX appearing on the XXX of the appraisal does not match the seller's name as reflected in the purchase contract, final Closing Disclosure (CD), or XXX. | Document Uploaded. ; If you review XXX B 1 as XXX is deceased. XXX shows all the Info, thanks | XXX | Corrected owner of record reflected on appraisal. Property/Appraisal Meets Guidelines. Condition cleared.; Please provide corrected appraisal reflecting accurate owner/seller of record as listed on Title, Purchase Agreement, and CD. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Compliant; Material ; HPML Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010230 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE for borrower XXX dated XXX or later. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010230 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010230 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. The Hazard Insurance declaration reflects an effective date of XXX. However, the subject loan closed on XXX. Please provide evidence of insurance as of XXX. | Document Uploaded. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided.; Received a copy of the updated XXX declaration verifying the policy took effect on XXX with an expiration date of XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. Uploaded XXX pulled on XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. An updated VOE was provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval reflects a final loan amount of XXX. However, the final loan amount was XXX. Please provide a The Credit Risk Summary & Exception Approval reflecting the correct loan amount. | Document Uploaded. Updated XXX with loan amt updated. | XXX | Approval/Underwriting Summary is fully present. An updated XXX was provided showing the correct loan amount.; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010335 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired on XXX. Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded email from agent stating the sellers never signed the contract extension addendum. I have also uploaded a XXX to document the exception for no extension. | XXX | Lender exception for being unable to obtain a seller signed contract extension approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010219 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010219 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010219 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Lender exception for contract extension not being obtained approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit was unable to locate verification of PITIA for the primary residence on XXX, with a monthly amount not to exceed XXX, as well as verification of property taxes and insurance for the property located on XXX, not to exceed XXX. | Document Uploaded. ; Hi, although the XXX is expired there is no Mtg on the prop therefore no XXX is required, thanks; Document Uploaded. ; Document Uploaded. | XXX | XXX documentation received. Condition cleared.; The Final 1003 reflects taxes and insurance of $XXX per month. Based on the fraud report, taxes were only $XXX/mo, therefore, we are unable to determine what the remaining $XXX/mo is for. Please provide the documentation used to support the $XXX per month reflected on the 1003. If no XXX is present, please provide a letter from the Borrower confirming there is no hazard insurance on XXX. Thank you.; Received a copy of the XXX agreement for the property located at XXX. The XXX declaration provided shows an effective date of XXX with an expiration date of XXX. Please advice if a more recent active XXX is currently in effect.; Thank you for providing the PITI info for XXX. We are still missing XXX for the XXX property. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010448 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. The earliest CD in the loan file was issued on XXX and signed at consummation on XXX. Per the Disclosure Tracking Summary in the loan file on page XXX, there was an Initial CD issued on XXX; however, the disclosure was not found in the file. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation if the disclosure was delivered electronically or XXX business days prior to consummation on XXX if mailed. | Document Uploaded. | XXX | Client provided copy of missing initial CD for testing; exception resolved; Client provided copy of missing initial CD for testing; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010225 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010225 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010225 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | There's no evidence of the XXX issued XXX in the loan file. | Document Uploaded. | XXX | Client provided copy of missing XXX and an attestation about the XXX date for testing; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010225 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or revised XXX issued XXX. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX. The decrease in the lender credit was add to the final CD dated XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Client provided copy of missing XXX and an attestation about the XXX date for testing; exception resolved; Client provided copy of missing XXX and an attestation about the XXX date for testing; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010221 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010221 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010221 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing page XXX of final 1003. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | XXX | Evidence of XXX is provided.; E-consent received | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010299 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expiration date is XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Received letter from XXX directed to the borrower dated XXX rescheduling closing for XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010212 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010212 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010212 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided; XXX received reflects the Borrower as the Owner of XXX, however, the final 1003 and income documentation in file indicates the Borrower is an employee, not an owner. Please provide a corrected XXX reflecting the Borrower's current position. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX cure required:<br> Refund in the amount of $XXX<br> PCCD with XXX, copy of refund and proof of delivery or the revised XXX issued XXX. The Appraisal Inspection fee was added to the CD issued XXX; however, per the coc issued XXX reflects the Final Inspection fee to be added. <br> This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Something is going on with your system as the cure package was uploaded. See attached ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package is missing a copy of the check; XXX upon receipt of the check | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The subject P&I payment is understated on the 1008, and the total monthly obligations are overstated based upon verified information from the file. | Document Uploaded. Also uploaded XXX with loan amount corrected.; Document Uploaded. Uploaded 1008 with loan amount corrected and P&I updated. | XXX | Approval/Underwriting Summary is fully present. An updated CRSE/1008 was provided. Resolved.; Finding has been re-opened. The corrected 1008 is required - The subject P&I payment is understated on the 1008, and the total monthly obligations are overstated based upon verified information from the file.; Exception granted; Material | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The Initial CD issued XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and XXX billings (if appropriate) for the borrower's rental propertiy are needed to substantiate the carrying costs used to qualify the borrower. | Document Uploaded. Uploaded all XXX docs. Please note XXX is XXX only therefore provided the mtg smt and taxes only. | XXX | PITIA for XXX properties documented. Condition resolved. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Third party employment verification exceeds XXX days from note date. It is present, but dated XXX. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2026010198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The borrower has a collection that was opened XXX and is reporting as of XXX for $XXX. The Guidelines do not allow any collections within XXX months. The borrower's credit history does not meet the Lender's requirement. | Document Uploaded. Uploaded XXX reflecting exception. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required- Initial CD issued XXX per disclosure tracking. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded Initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010292 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and XXX (if appropriate) for the borrower's XXX (XXX) rental properties and primary residence are needed to substantiate the carrying costs used to qualify the borrower. The borrower is simultaneously refinancing XXX (XXX) rental units with XXX concurrently with the XXX. | Document Uploaded. | XXX | Received additional documentation confirming the rental properties PITI and rental calculations based off worst case scenario as other loans are pending to close.; Thank you for providing the documentation. We are still missing several items to properly calculate the DTI: PITIA for XXX; XXX and HOI for XXX (an XXX is just an estimate and cannot be used); XXX for XXX (an XXX is just an estimate and cannot be used); PITIA and rental income for XXX; PITIA and rental income for XXX; and XXX for XXX (an XXX is only an estimate and cannot be used). | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010292 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010292 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010292 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The origination credit report is dated XXX. The XXX Credit Report reflects that an updated full credit report was obtained on XXX. Provide the updated full credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect XXX used - XXX form XXX used for Same Lender or Lender Affiliate Refinance | Incorrect XXX used - XXX form XXX (XXX) used for Same Lender or Lender Affiliate Refinance Original lender in XXX was XXX, XXX. XXX form is required. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; The documents uploaded did not contain a copy of the XXX, please re-upload; Cure package was missing a copy of the Right to cancel documents | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Missing Document. The Initial CD issued XXX is missing from the loan file. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Audit could not locate evidence confirming borrower owns XXX% of the business. | Document Uploaded. Hey. Please note on the borrower XXX name prior to XXX is XXX. Thanks | XXX | Documentation received confirming Borrower as XXX% owner. Income and Employment Meet Guidelines. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrower has a XXX with XXX for XXX. Please provide documentation for the PITI for review. | Document Uploaded. | XXX | PITIA for new property located on XXX received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 2026010203 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010203 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010203 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Charge off and collection accounts reported within the last XXX months. Per Lender Guidelines no collections/charge offs allowed in the past XXX months. | Document Uploaded. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. XXX Downgraded |  |  | Informational Only; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010441 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010441 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010441 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements have been met. XXX Downgraded |  |  | Informational Only; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010183 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010183 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010183 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required<br> Refund in the amount of XXX<br> Cure Package requires a XXX, XXX, Copy of refund check and proof of delivery to the borrower OR Valid XXX.<br> The Lender Credit violation is due to the decrease in the Lender Credits from XXX to XXX on the Final CD. This violation can be cured by providing the missing re-disclosed XXX dated XXX. | Document Uploaded. | XXX | XXX provided dated within XXX days of the XXX; Exception resolved; XXX provided dated within XXX days of the XXX; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | The XXX/pricing change is dated XXX, however, the changes to lender credit and discount points were not disclosed until the initial CD dated XXX. This violation can be cured by providing the missing re-disclosed XXX dated XXX per the disclosure tracker. This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its XXX) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the XXX will be deemed to be open or not open for carrying on substantially all of its XXX, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the XXX count based on the client preferences configured on the company settings XXX profile page:As not being open on XXX As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its XXX. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that XXX of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). | Document Uploaded. | XXX | XXX provided dated within XXX days of the XXX; Exception resolved; XXX provided dated within XXX days of the XXX; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires XXX housing history. Per the Final 1003 the co-borrower pays XXX per month rent. The file is missing the XXX months rental history. Provide proof of the XXX months rent payments for additional review. | Document Uploaded. | XXX | Corrected 1003 received confirming B2 does not pay rent. B2 resides at same location as B1 and 1003 confirmed B1 does not pay rent, therefore, correction of 1003 for B2 is reasonable. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX. |  |  | Exception Acknowledged ; Material | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Documentation Required- Missing loan estimate dated XXX as verified by disclosure tracking details. | Document Uploaded. Uploaded missing XXX XXX. | XXX | Revised XXX provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing File is missing Mortgage statements, tax and XXX documents for XXX on the Final 1003. Please provide the missing documents. | Document Uploaded. Uploaded XXX docs for XXX. Also including XXX stating no XXX dues for any properties. | XXX | XXX documentation received confirming PITIA used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing File is missing XXX documents for XXX on the Final 1003. Please provide the missing document. | Document Uploaded. Uploaded XXX docs for XXX. | XXX | XXX documentation received confirming PITIA used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing File is missing Mortgage statements, tax and XXX documents for XXX on the Final 1003s. Please provide the missing documents. | Document Uploaded. Uploaded XXX docs for XXX. | XXX | XXX documentation received confirming PITIA used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Please provide an XXX statement that shows the policy was in place at the time of closing. | Document Uploaded. Uploaded XXX page with corrected effective date. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing File is missing XXX statements, XXX certs and property tax information for XXX XXX, XXX, XXX, XXX, XXX and XXX on the Final 1003. The file is missing proof of taxes, insurance and XXX for XXX XXX on the final 1003 Please provide all XXX documents for review. | Document Uploaded. Uploaded all XXX docs. Most are XXX. If tax info is needed, the XXX report shows the tax amount. See email from XXX stating XXX dues for the year for all of the XXX ($XXX/yr each unit). | XXX | PITIA for all XXX properties received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. In addition, please provide missing XXX dated XXX per the disclosure tracker. Additional conditions may apply. | Document Uploaded. Please see email from our XXX. Please use the XXX rule since we do not have proof of XXX approval from borrower.; Document Uploaded. Uploaded XXX and Initial CD. | XXX | Copy of initial CD provided; exception resolved; Copy of initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Received a copy of the contract addendum updating the closing date to XXX or XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | Informational Only; HPML compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010290 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010202 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010202 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010202 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The Bank Statement worksheet reflects that the borrower has had XXX overdrafts over the past XXX months. Provide an updated Credit Risk Summary & Exception Approval or 1008 that reflects the overdrafts have been reviewed and are deemed acceptable. | Document Uploaded. | XXX | Updated 1008 confirmed NSF's were reviewed and deemed acceptable. Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010328 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010328 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010328 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and XXX (if appropriate) for the borrower's XXX and XXX are needed to substantiate the carrying costs used to qualify the borrower. Documentation in file is not sufficient to confirm that all of the borrower's XXX is owned free and clear of mortgages, and the tax and XXX information provided does not support figures shown on the 1003. | Document Uploaded. Uploaded XXX detailing how XXX is owned free and clear (evident on Fraud report). See tax and XXX info (doesnt carry ins). Other property on XXX is not owned by borr. It should have been removed from the 1003. See updated 1003. | XXX | XXX documentation and updated 1003 removing XXX property not owned by Borrower received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The 3rd Party VOE from the borrower's Part Time employment was not provided. Provide a 3rd Party VOE dated within XXX days from the closing date from the borrower's Part Time employment. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of XXX payment or a signed statement from the borrower stating there are no XXX payments on the XXX. | Document Uploaded. See on-line listing showing the XXX dues. Updated in XXX - see updated 1008, 1003, and XXX. | XXX | HOA documentation for XXX property received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010236 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010190 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010190 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010190 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Guidelines state a XXX qualified at XXX full PITIA Payment. Please provide an updated 1008/XXX using this criteria | Document Uploaded. ; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; 1008 and CRSE received do not reflect the correct qualifying payment and DTI. Guidelines state a XXX YR term qualified at XXX YR AM full PITIA Payment. Please provide an updated 1008/CRSE using this criteria.; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX | Document Uploaded. | XXX | Lender exception for not obtaining a purchase contract extension approved by investor on XXX.; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010470 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010470 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010470 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements File is missing a gift letter. Documentation stating borrower has access to XXX% of the funds used for the XXX XXX, but the 1003 has the funds coming as a gift. Please report on the discrepancy and send corrected documentation for review | Document Uploaded. | XXX | $XXX XXX came from non signing spouse business. Per guidelines, funds from a spouse are not considered a gift. Updated 1003 received removing gift. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010470 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require a XXX month housing history. Please provide documentation for review. | Document Uploaded. | XXX | Per VOR on page XXX, Borrower resided at XXX from XXX (XXX mos), then at XXX from XXX to XXX (XXX mos). XXX rental payment on XXX completes the XXX month history. Condition rescinded. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing payment history for XXX ending #XXX. Provide a XXX-month payment history for review. |  |  | XXX XXX payment in Borrower's name was XXX, prior financing was in the name of an XXX per Fraud Report. Payment history from XXX to present received. Condition cleared.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing XXX on XXX is not documented in the file. Please provide all PITI and any XXX documents for review. | Document Uploaded. | XXX | Income XXX Months Income Verified is Present Or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing XXX on XXX is not documented in the file. Please provide all PITI and any XXX documents for review. | Document Uploaded. | XXX | Income XXX Months Income Verified is Present Or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010411 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Please provide a Rent free letter from the property owner where the borrower currently resides that states the borrower currently has no primary housing expense. | Document Uploaded. Pls note the Bwr wrote a detail XXX and only resided XXX mths and the XXX is acceptable | XXX | XXX on page XXX, Fraud Report confirms borrower does not own XXX (XXX), and prior primary residence reporting on credit XXX months (XXX). Payment history and documentation satisfactory. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the most recent mortgage statement and/or Note, proof of taxes, insurance and XXX payment for the primary residence, XXX and and XXX. Please provide the missing documents for additional review. | Hi pls refer tot he Loan # of XXX on the XXX, which is the same loan # on the XXX Statement, thanks; Document Uploaded. | XXX | All XXX documentation received. Condition cleared.; Thank you for providing the XXX documentation. However, it appears we are still missing the XXX for XXX (the XXX on page XXX of the XXX page document uploaded does not reflect an address to tie it to the XXX property). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Property has been listed for sale in the past XXX months | The subject property was listed on XXX and the listing was cancelled on XXX. Per Guidelines the lesser of the most recent list price or the current appraised value should be used to determine the loan-to-value for this transaction. Provide proof of the list price to verify the correct LTV is being used. | Document Uploaded. Subj was listed for more than the value of XXX and attached cancellation signed by all parties cancelled | XXX | List price of $XXX confirmed. Appraised value of $XXX used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2026010165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase Contract Expiration date is XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010165 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. |  |  | Informational Only; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. ; Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Please provide a copy of the initial Closing Disclosure issued XXX for review, the initial CD is missing from the original loan package. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Provide the XXX dated XXX to complete XXX testing. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational Only; HPML Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010452 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Provide a signed Purchased Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010150 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant |  |  | Informational Only; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010139 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010082 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The file contains a Seller's Estimate Settlement Statement for the property that is being sold. Per Guidelines proceeds from the sale of a currently owned home for down payment and/or closing costs have to be documented with proof of receipt of sufficient funds to close. Provide a signed/executed Final CD and/or copy of the wire to the XXX to verify sufficient funds. | Document Uploaded. | XXX | Final CD for the sale XXX XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010082 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010082 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010082 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010148 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Account #XXX is listed as asset account on the Final 1003 is co-owned with another person. The Final 1003 reflects the borrower is Unmarried. Please provide a signed XXX% access to the account letter | Document Uploaded. ; This appears to be the XXX as the XXX is XXX in both their names & we do not require access letters | XXX | Access Letter received. Assets meet guidelines. Condition cleared.; Borrower is unmarried per 1003 and listed as a XXX on the DOT. The individual named XXX on the initial title is not the same individual named XXX on XXX. Please provide an access letter from XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| 2026010148 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met |  |  | Informational Only; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| 2026010148 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Finance Charge Test | This loan failed the XXX.(12 CFR §1026.38(o)(2))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. Corrected fees Corrected fees |  |  |  | XXX | D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| 2026010148 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Documentation Required- Missing CDs dated XXX and XXX which are listed in Disclosure History on the Disclosure Tracking Summary. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| 2026010148 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C | D | A D C | D C A | D C A | D C A | D C A | D A | A | A | A | A | A |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | The contract expired on XXX. Please provide a copy of the fully executed extension agreement to XXX. | Document Uploaded. | XXX | Lender exception for not obtaining a contract extension approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required<br> Refund in the amount of XXX<br> Cure Package requires a PCCD, XXX, Copy of refund check and proof of delivery to the borrower OR Valid XXX.<br> The XXX% tolerance violation is due to the increase in the Mortgage Recording Fee on the Final CD and no XXX was found in the file explaining the reason for the increase.<br> Please provide a Valid XXX or Cure Package | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required<br> Missing the Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The merged credit report and the XXX report are in the file. Please provide original brokers credit report for review. | Document Uploaded. We didn't get a XXX | XXX | Origination credit report received and matches what was used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired Appraisal has been updated with no change in value |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010412 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C | C | C | C | C | C B A | B A | B A | B A | B A | B |
| 2026010160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Borrowers settlement statement for the sale of the previous primary is in the file, however it is unsigned. Please provide evidence of property closing and transfer of funds. | Document Uploaded. | XXX | Final Settlement Statement for the sale of XXX received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Missing | Asset XXX Missing Borrowers settlement statement for the sale of the previous primary is in the file, however it is unsigned. Please provide evidence of property closing and transfer of funds. | Document Uploaded. | XXX | Final Settlement Statement for the sale of XXX received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX is Missing | XXX is Missing. Please provide the XXX for review. | I uploaded the DOT to the other finding for the XXX. It includes XXX. | XXX | The XXX is Present; XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date |  | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Bank Statements have XXX overdrafts. This is acknowledged on the Income Calculation Worksheet. | Document Uploaded. Uploaded 1008 - please see comment section for XXX acceptability.; The XXX guidelines do not have a max allowed. The guides only state to review the XXX for acceptability. The XXX asked for an XXX from the borr and received that and accepted it. Please waive this finding. Thanks! | XXX | Updated 1008 reflecting Overdraft/NSF count within tolerance. Condition cleared.; Although there is not a specific max number of NSFs allowed, guidelines require NSF's to be reviewed for acceptability (Section XXX). Please provide an updated 1008 or CRSE that confirms the UW reviewed the NSF's and the LOE from the Borrower and considered the NSF's acceptable. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Please provide the Deed of Trust for review. | Document Uploaded. Uploaded Deed of Trust. | XXX | The Deed of Trust is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010238 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Properties located at XXX and XXX . Provide proof the properties are free & clear or a copy of the monthly statement and/or Note, proof of taxes, insurance and XXX, if applicable. If there is no XXX provide a signed statement from the borrower stating there is no XXX. | Document Uploaded. Finally received the mortgage release for XXX. See upload.; Document Uploaded. Uploaded XXX . I have also uploaded the XXX report for XXX. Shows he took out a mortgage in XXX and it was released XXX so now owned free and clear.; Document Uploaded. Uploaded the tax bill, Ins, and XXX for each of the properties. The XXX for both do not show a mortgagee - owned free and clear. | XXX | Received a substitution of trustee and full reconveyance on the XXX property. Resolved. ; We are still missing documentation to confirm XXX is owned free and clear (only a property report for XXX was provided). Please provide a property report for XXX confirming the property is free an clear from mortgage liens. Thank you.; Thank you for providing the taxes and insurance for XXX. We are still missing the following: 1) XXX - proof owned free and clear (unable to use an XXX as evidence); 2) XXX- taxes, insurance, XXX and proof owned free and clear (XXX documentation was uploaded XXX). Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010238 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010238 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010189 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Provide a copy of the monthly statement and/or Note, proof of taxes and homeowner's insurance for properties at XXX and XXX on the borrower's Final 1003. | Document Uploaded. | XXX | PITIA for XXX properties received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift Fund Verification-evidence of wire transfer from XXX to closing agent is missing. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and XXX (if appropriate) for XXX the borrower's XXX rental properties are needed to XXX the carrying costs used to qualify the borrower. Only the property at XXX had been properly documented. | Document Uploaded. | XXX | PITIA for all XXX properties received and supports the amount used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010463 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The Grant Deed in the loan file, which was needed to correct the XXX, was not executed. Please provide the executed Grant Deed. | Document Uploaded. | XXX | Executed Grant Deed received. Property Title Issue Resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Affiliated Business Disclosure | Document Uploaded. | XXX | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Homeownership Counseling Disclosure | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval has the Total Gross Income as XXX. The 1008 and file review reflects the income for the borrower and co-borrower is being used to qualify the loan. Provide a corrected Credit Risk Summary & Exception Approval that reflects the combined income for both borrower's. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Compliant; Material; HPML Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval reflects the loan program is XXX XXX Bank Statement. Per the Income Worksheet and the re-verified Income the lender is using XXX XXX Bank Statements. Provide a corrected Credit Risk Summary & Exception Approval that reflects the correct XXX. | Document Uploaded. | XXX | Lender intended the loan program to be XXX Business Bank Statement yet documented and used a XXX average conservatively. Condition cleared.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Citizenship Does Not Meet Guideline Requirements | Both borrowers presented themselves as XXX however neither of the produced a XXX. Both borrowers submitted work authorization cards, and neither of them have provided XXX which are required to establish XXX into the XXX. Without the visas, neither borrower is qualified under the guidelines. Per guideline an XXX by itself is not sufficient to document that a XXX is legally able to reside in the XXX. |  |  | Borrowers are XXX vs. XXX. Corrected 1003 received and okay to accept per Management. Documentation in file for XXX meets guideline requirements. Condition cleared.<br> ; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010057 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires XXX housing payment history. The file only documents XXX months of housing history. Per Final 1003 the borrower lived rent-free prior to purchasing the current primary residence. Provide a letter from the owner stating that the borrower lived rent free. | Document Uploaded. | XXX | Lender exception allowing only a XXX month housing history vs. XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010057 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010057 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The property acreage is XXX which exceeds the maximum XXX acreage guideline requirement. XXX approved exception to guidelines-Exception Type-Property=Acreage/Lot Size, Guideline XXX, Actual XXX. Rationale - XXX to support value. Approved by Lender no XXX. |  |  | The property acreage is XXX which exceeds the maximum XXX acreage guideline requirement. XXX approved exception to guidelines-Exception Type-Property=Acreage/Lot Size, Guideline XXX, Actual XXX. Rationale - CDA to support value. Approved by Lender no XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required: The initial CD is missing from the loan file. The violation can be cured by providing the initial CD issued XXX as well as evidence that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 2026010052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The subject property area is XXX acres. Per Guidelines the maximum acres allowed is XXX(XXX). The property is not eligible per Guidelines. | Document Uploaded. | XXX | Lender exception for a property with greater than XXX acres approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | Compliant; Material; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure required: Cure of XXX required. Initial XXX is missing. Initial XXX in loan file has incorrect address. Please remit correct Initial XXX for testing. | Document Uploaded. ; I just uploaded CD dated XXX, is this still a valid refund to Bwr; Hi, we cant go back and correct the Initial XXX and the only thing was incorrect was the street name and was corrected on the revised XXX; pls advise what's next since that cant be corrected. Talking w/our Compliance Dept as well | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure is required, the appraisal fee was disclosed on XXX however the appraisal was ordered and completed more than XXX days prior to the CD it was disclosed on ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Cure amount of $XXX. Cure package requires PCCD, XXX, copy of check and proof of delivery; The appraisal fee increased without a valid XXX and was not disclosed timely | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required: Tolerance violation related to Initial XXX Delivery test. In addition, final CD is missing for testing. |  |  | Initial XXX in file; exception resolved; Initial XXX in file; exception resolved | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the XXX business day (counting days on which the XXX are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required: Remit Initial XXX for testing. Initial XXX in loan file has incorrect address. |  |  | Initial XXX in file; exception resolved; Initial XXX in file; exception resolved | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required: Remit Final CD for testing. | Document Uploaded. ; Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Sorry we need the CD dated XXX as indicated on the disclosure tracking | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing The XXX bank statement is missing for account #XXX. The month shows a net $XXX income. Please provide the statement for review. | Hi unless I'm missing something this was a XXX mth XXX and there is no XXX (XXX) and the acct # used is for XXX XXX | XXX | Account used to qualify was #XXX. Income used to qualify was from XXX, XXX XXX not part of the calculation. XXX XXX is in file on page XXX and matches Lender's income worksheet. Condition rescinded. | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Lender credit decreased from XXX on the initial XXX to XXX on the final CD. The defect can be cured by providing the missing re-disclosed XXX dated XXX per the disclosure tracker to support the rate lock XXX. Otherwise, a cost to cure in the amount of XXX is required.  | Document Uploaded. | XXX | Valid XXX with applicable XXX provided; Exception resolved; Valid XXX with applicable XXX provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required: The initial CD issued XXX is missing from the loan file. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. Uploaded initial CD and proof received on XXX | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation required: XXX. Please remit initial CD issued XXX for testing. | Uploaded initial CD to other finding. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010196 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010196 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010196 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010053 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010053 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010053 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010128 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | XXX is Missing | XXX Missing Provide evidence of XXX for subject property. | Subject is a XXX - no XXX required. | XXX | Subject is a detached XXX. HOA cert/questionnaire not applicable. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010128 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010128 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010356 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File has XXX referring to a XXX. Please provide a VOE dated XXX or later. | Document Uploaded. Uploaded XXX with date.; Document Uploaded. The closer informed me that the XXX attached the same letter originally provided on that email. I have uploaded the proof the business is currently Active. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided; We are unable to locate a current date within XXX days of closing for the Borrower's business on the document that was just uploaded. Please provide a reverification of the Borrower's business dated within XXX days of the Note date of XXX. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010356 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010356 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% exceeds the guideline maximum of XXX%. The lender cites XXX FICO, XXX% DTI, XXX months of reserves and XXX in residual monthly income as the compensating factors used to approve the exception. |  |  | Acknowledged | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010442 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage statements and/or notes, tax bills, insurance bills and XXX (if appropriate) for the borrower's three rental properties are needed to substantiate the carrying costs used to qualify the borrower. | Document Uploaded. XXX not required and no XXX upld; Document Uploaded. | XXX | Document Uploaded. XXX documentation received. Condition cleared.; Please provide HOI and HOA documentation for XXX. Thank you.; Document Uploaded. XXX documentation received. Condition cleared.; We are still missing the following on XXX properties: 1) XXX-proof owned free and clear, taxes, insurance, and HOA; 2) XXX-proof owned free and clear. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure required, refund in the amount of XXX with PCCD, XXX, Copy of Refund Check and Proof of delivery or a valid XXX. The XXX% tolerance violation is due to the increase of the Appraisal Fee from XXX, to XXX on the revised XXX dated XXX. XXX in file dated XXX does not detail a valid reason for the fee increase and additionally the appraisal invoice in file verifies the borrower paid the full XXX fee on XXX. Fee increase was not disclosed until XXX and does not meet timing requirements. Please provide a cure package for tolerance violation. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Cure package missing a copy of the PCCD, XXX and proof of delivery | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete B2 signed the note but there is no information at all on the 1003 for her. Either the 1003 or the note is going to have to be resigned and resubmitted. | Client's response : property is in XXX, and the XXX is required to sign certain docs on XXX and not be on the loan | XXX | The Final 1003 is Present; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Unable to Determine borrower citizenship | Borrower XXX Unable to Determine borrower citizenship. B2 information not included on 1003. Provide proof of B2's citizenship. The file is missing the Final 1003 for B2. | Lender's response : property is in XXX, and the XXX is required to sign certain docs on XXX and not be on the loan | XXX | Per XXX Homestead regulations - the spouse may be required to sign the Note, Mortgage, and deed and are not considered an actual borrower on the loan. Resolved. ; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Credit Report is Missing | Borrower 2 Credit Report is Missing. B2 signed the Note. Missing credit report for B2. Provide a copy of the credit report for B2 for additional review. | Lender's response : property is in XXX, and the XXX is required to sign certain docs on XXX and not be on the loan | XXX | Borrower 2 Credit Report is not missing.; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | XXX or more issues or defects with the property have been discovered. Guideline property maximum is XXX acres, may go to XXX with similar comps. Subject is XXX acres. Lender cited FICO of XXX, XXX% DTI, XXX months reserves, XXX per month in residual income and XXX% LTV as compensating factors in the approval of the exception. |  |  | Acknowledged | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| 2026010210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010101 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a XXX day late in XXX of XXX. Guidelines state regarding Credit History: No XXX Day consumer late payments in last XXX Mo. | Document Uploaded. | XXX | Lender exception for XXX on revolving debt approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010101 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010101 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX Charge Test | This loan failed the XXX.(12 CFR §1026.38(o)(2))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery and re-open rescission. The fees included in the finance charge calculation include: $XXX notary fee, XXX commitment fee, XXX loan discount points fee, $XXX recording service fee, XXX escrow fee, XXX courier fee, and XXX prepaid interest fee. Fees paid to mobile notary must be included in finance charge calculation. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Cure package is missing PCCD and proof of delivery | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A B | C A B | C A B | C A B | C B A | B A | B A | B A | B A | B |
| 2026010137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | XXX Approval Missing | XXX Approval Missing. Provide evidence of XXX Approval. |  |  | Material | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A B | C A B | C A B | C A B | C B A | B A | B A | B A | B A | B |
| 2026010137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A B | C A B | C A B | C A B | C B A | B A | B A | B A | B A | B |
| 2026010092 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010092 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010092 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | Hey. Can you please advise what is needed to clear this condition? thanks | XXX | ; ; Material; HPML Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX, cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The tolerance violation is due to an increased Appraisal Fee from XXX on the initial LE to XXX on the final CD.<br> XXX in file does not detail reason for increased fee | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX; Cure package is missing a copy of the check; will downgrade upon receipt of the copy of the check | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010237 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee increase on the final CD issued XXX without a valid reason. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to Axxx | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010237 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010237 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010076 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The loan closed in the borrower's name. The title reflects a business as being the XXX. Provide a copy of the executed Quit Claim Deed transferring the property into the borrower's name. | Document Uploaded. Uploaded XXX to XXX. | XXX | Executed Quit Claim Deed transferring property into Borrower's name received. Property Title Issue Resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010076 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; HPML Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010076 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010107 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | There are XXX appraisals in the file. Both were done on XXX with a value of XXX. Completed by XXX different appraisers. We don't need another valuation. | XXX | Second Appraisal in file on page XXX. Additional XXX not required. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010107 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010107 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010438 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow collections in the last XXX months. The Co-Borrower's credit report reflect a collection account open and active in the last XXX months. | Document Uploaded. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010438 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010438 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010304 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow collections or charge offs in the last XXX months. The Borrower's credit report reflect two collection accounts and XXX charge off active or reported in the last XXX months. | Document Uploaded. | XXX | Lender exception for collection with XXX months approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010304 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010304 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. There's no evidence of the initial CD issued XXX in the loan file. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Was lowest appraised value used to qualify is No | XXX appraisals in file, however the lowest appraised value was not used to qualify. Original appraisal value is XXX and XXX value is XXX. | There's only XXX appraisal in the file with a value of XXX. Then we are required to obtain another valuation that supports within XXX%. The XXX supports. We are not required to use the lower as long as the XXX supports within XXX% which it does. | XXX | XXX appraisal in file. AVM is within XXX%. Lower value not required to be used. Condition rescinded.; ; Material | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of XXX is due to the addition of the final inspection fee on the XXX dated XXX without valid XXX. XXX dated XXX not valid as XXX reports are dated XXX which indicates re-disclosure did not occur on time. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX; Cure package is missing a copy of the check, will downgrade upon receipt of the copy of the check; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing Provide evidence that the required XXX letter was obtained. | Document Uploaded. not req as borrower is XXX% owner | XXX | XXX% Ownership confirmed via documentation in file on pages XXX-XXX. Condition rescinded | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Only XXX months of child support payments are verified. <br> XXX in the file cites this exception and approval is granted. |  |  | Income XXX Months Income Verified is Missing Only XXX months of child support payments are verified. XXX in the file cites this exception and approval is granted. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender calculated the asset depletion for each borrower. The income is in total for both borrowers. | Document Uploaded. I removed the asset depletion duplicate income from B2's 1003. But we are getting a DTI of XXX%. It appears our discrepancies lie with the debts. We used the final monthly payments from the XXX Reports. And please see page XXX of the final CD that shows XXX debts paid off so those should be excluded from the DTI (XXX , XXX , XXX , and XXX). Please see uploaded 1008 and 1003s. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced XXX, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. XXX in the file cites this exception and approval is granted. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset do not meet guidelines | The Lender requires the gift funds that are given to the closing agent to be verified with a certified check, a cashier's check, money order, or wire transfer. The file is missing proof of the gift funds transfer. | Document Uploaded. Uploaded gift wire confirmation from closing agent. | XXX | Gift wire to Settlement Agent of $XXX received and matches donor documentation in file. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX with established XXX and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. XXX Compliant |  |  | XXX Compliant; Informational Only; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010418 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Flood Certificate Missing | Missing Flood Certificate Please provide the Flood certification for review. | Document Uploaded. Uploaded flood cert. | XXX | Flood Certificate is fully present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010418 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010418 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required: Please provide Initial Closing Disclosure , Proof of Delivery within required XXX business days prior to consummation.<br> Per Disclosure Tracking dated XXX This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD signed on XXX. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010432 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only; ; XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010114 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010114 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010114 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% (XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of XXX is due to increase from $XXX to $XXX for the recording fee. A XXX is required to determine if this was a valid change. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX; Please provide a copy of the cure check, exception will be downgraded once check is received. ; The XXX did not provide a valid reason for the recording fees to increase | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The zero tolerance violation in the amount of XXX is due to increase from $XXX to XXX for the discount points added on CD XXX. A XXX was provided, but the receipt date of the CD was XXX which is the consummation date. Provide evidence the CD was received a minimum of XXX business days prior to consummation. | Document Uploaded. | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Missing XXX with updated purchase price and contract extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010112 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010112 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010112 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010168 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010168 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010168 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 740<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX XXX in the file cites this exception and approval is granted. |  |  | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX CRSE in the file cites this exception and approval is granted. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report reflects XXX collections, each Date Reported XXX. XXX XXX balance and XXX XXX balance. Per Guidelines - no collections allowed in the past XXX months. The Lenders requirement for no collections in the past XXX months is not met. |  |  | Charge offs took place in XXX and Lender included XXX% payment into the DTI. Delinquent Credit History Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the XXX statement and proof of property tax amount for XXX for review. | Document Uploaded. | XXX | Taxes and HOI for XXX documented. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. | Hey. can you please advise what is required to clear said condition? thank you | XXX | ; Material; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010084 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2026010124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Taxes and Ins for the properties located at XXX and XXX and missing proof the property on XXX is free & clear. | Document Uploaded. ; Document Uploaded. | XXX | PITIA for all XXX received and supports what Lender used to qualify. Condition cleared.; Thank you for providing the documentation for XXX, however, we are still missing XXX documentation for XXX (XXX docs were uploaded XXX). Please provide HOI information for XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 does not include the supplemental XXX. Please update and send for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Provide a signed XXX with the correct Purchase Price and Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hey. Can you please advise what is needed to clear? | XXX | ; Material; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010450 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The lenders 1003 indicates a $XXX charge associated with the XXX on XXX. Please provide details and documentation for this liability. | Document Uploaded. I removed the $XXX debt for the XXX. That was an inaccurate entry as the mortgage includes XXX and there are no XXX dues. See updated 1008, 1003, and XXX with DTI updated. | XXX | XXX documentation confirmed. Updated 1003, 1008, and CRSE received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010450 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party VOE dated within XXX days of the closing date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010450 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010450 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide a 3rd Party VOE from the borrower's current employer dated within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. Uploaded disclosure. | XXX | XXX Credit Score Disclosure is provided.; Received XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XXX. | Document Uploaded. Uploaded eConsent form. | XXX | Evidence of eConsent is provided.; Received e-consent | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect XXX used - XXX form XXX used for Same Lender or Lender Affiliate Refinance | XXX used - XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form XXX (New Lender) form was used and should have been XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, XXX, and proof of delivery is required. | Document Uploaded. Uploaded corrected XXX to XXX form, letter to borr, and XXX. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2026010437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide documentation to show the borrower received the initial CD at least XXX days prior to consummation. Missing initial CD dated XXX as verified by disclosure tracking details. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD and proof viewed/received. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2026010437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2026010437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| 2026010307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Provide initial CD issued XXX as verified by disclosure tracking. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than tXXXhree business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and met appraisal requirements. |  |  | ; Compliant; Material ; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of XXX is due to the increase of the discount points and addition of the final inspection fee on the final CD without valid XXX. XXX dated XXX does not provide reason for fee increase/addition. Missing initial CD dated XXX as verified by disclosure tracking. | Document Uploaded. See initial CD. Loan was locked on XXX which affected the discount points. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XXX. E-consent in file is dated XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | XXX Compliant; Material ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. | Document Uploaded. | XXX | Right of Rescission is Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010090 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2026010085 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Guidelines state a XXX qualified at XXX full PITIA Payment. Please update the 1008/XXX using the guideline data. | Document Uploaded. Uploaded 1008/XXX - updated PITIA to XXX yr XXX. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010085 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010085 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010218 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010218 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010218 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan closed using assets from a XXX checking account #XXX totaling XXX dated XXX. The account statement in file dated XXX has an ending balance for checking account #XXX totaling XXX. | Document Uploaded. Did this trans history get overlooked in the file (assets folder)—see attached? And I have notes on the assets page for deposits not being considered. | XXX | Updated account statement in file on page XXX. Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property falls under XXX. This property type is ineligible | Document Uploaded. | XXX | Lender exception for non-warrantable XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010056 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010056 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010056 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of PITIA for properties located at XXX and XXX, if the property is free & clear provide a proof there are XXX and if there is no XXX provide a signed letter from the borrower stating there is no XXX.<br> Missing proof of PITA for properties located on XXX and XXX. if the property is free & clear provide a proof there are XXX and if there is no XXX provide a signed letter from the borrower stating there is no XXX.<br> Missing proof of XXX and taxes for the property on XXX. if the property is free & clear provide a proof there are XXX. | Document Uploaded. Uploaded XXX report showing it is owned free and clear, tax assessor report showing it is unimproved land, and the tax bill.; Document Uploaded. Uploaded all XXX docs. | XXX | XXX documentation received. Condition cleared.; Thank you for providing the XXX documentation. We are missing documentation for XXX, XXX, XXX listed as 3d on the final 1003. No information could be found in the fraud report to determine if this is a property owned by the Borrower, if it is XXX, etc. Please provide property taxes, HOI and HOA (if applicable) and proof owned free and clear. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010038 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010038 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010038 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | Informational Only; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Since there are no open findings pls close out as its listed as open, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Since there are no open findings pls close out as its listed as open, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Missing initial CD dated at least XXX business days prior to consummation. Per the lenders disclosure tracker, the initial CD was issued XXX but is missing from the file. Please provide copy of the XXX for compliance testing. | Document Uploaded. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). LEnder Credit exception due to the missing initial XXX dated at least XXX business days prior to consummation. Per the lenders disclosure tracker, the initial CD was issued XXX but is missing from the file. Please provide copy of the XXX for compliance testing. | Document Uploaded. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Pls clear this finding as there is no open condition, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | XXX is Missing | XXX Missing Please provide XXX documentation for review. | Document Uploaded. | XXX | Okay to accept unsigned HOA Questionnaire per Management. Condition cleared.; ; HOA Cert/Questionnaire was not signed. Please provide a signed HOA Questionnaire. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2026010061 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Since there are no open findings pls close them out as they are open, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010061 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Since there are no open findings pls close them out as they are open, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010061 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Since there are no open findings pls close them out as they are open, thanks | XXX | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010046 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee from XXX XXX to CD XXX. The XXX dated XXX doesn't provide a reason for the incease. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010046 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010046 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required to clear exception - Provide copy of XXX disclosure and evidence it was sent to the borrower within XXX business days of application XXX | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided.; Received XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2026010068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | ; Material finding<br> ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010135 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010135 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010135 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010027 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010027 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010027 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Provide evidence that XXX in XXX is free and clear. | Pls refer to the XXX as there is not a Mortgagee listed and pls refer to Fraud Report as it doesn't report a Mtg, thanks | XXX | Fraud Report dated XXX on page XXX reflects the Borrower obtained the XXX property lien free on XXX (see page XXX-XXX). Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Third Party VVOE in loan file is dated XXX and the note date is XXX, which is more than XXX days. Provide a third party VVOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant |  |  | ; Material finding<br> ; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010110 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Title issue | The XXX reflects the borrower and XXX. Provide a copy of the executed Quit Claim Deed removing the spouse from the XXX. | Document Uploaded. | XXX | Warranty Deed from ex-spouse to the Borrower received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | The file is missing the initial CD. Please provide a copy of the initial CD for review This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The file is missing the initial CD. Please provide a copy of the initial CD for review This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010123 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010123 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010123 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010078 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date |  | Per client - please do not use the exception uploaded XXX. Attached is the extension. ; Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Document Uploaded. ; Document Uploaded. ; Material finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010078 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. |  |  | ; Material finding<br> ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010078 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010102 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of XXX. XXX in the file cites this exception and approval is granted. | Hey. what is needed to clear this exception? Thanks, | XXX |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010102 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | Hey. Can you please advise what is needed to clear? thanks | XXX | XXX Compliant; Material; XXX Compliant | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010102 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010020 |  | XXX | XXX | XXX | XXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX cure required: Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in the Appraisal fee from the XXX to CD. The XXX with a date of XXX does not provide an explanation for increase in the Appraisal fee. The appraisal Invoice (pg XXX) documenting the increase in the file shows an increase date of XXX, a new disclosure was not provided within XXX days of the increase; Need evidence of a valid XXX, PCCD or proof of refund check to the borrower in the amount of $XXX.<br> This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010020 |  | XXX | XXX | XXX | XXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Let me know if you need anything for this finding. thanks! | XXX | XXX Compliant; Material; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010020 |  | XXX | XXX | XXX | XXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Provide evidence of sufficient hazard insurance coverage effective at time of closing. The XXX provided is dated after closing and disbursement date. | Document Uploaded. Uploaded XXX page with effective date updated to the closing date. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010020 |  | XXX | XXX | XXX | XXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010026 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010026 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010026 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010099 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010099 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010099 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Amendment provided showing a close of escrow was moved to XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires Gift Funds given directly to the closing agent to be documented with a copy the certified check, a cashier's check, money order, or wire. The file is missing proof the funds were given to the closing agent. Provide the required documentation to proof the funds were given to the closing agent. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements. Copy of the XXX funds being deposited was provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation Required: Provide the initial CD dated XXX per the disclosure tracking summary. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Material ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008/XXX is using an incorrect XXX. Guidelines state: a XXX qualified at XXX full PITIA Payment. Please send a corrected 1008/XXX. |  |  | Informational Only; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2026010004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Max payment shock is XXX%. XXX in the file cites this exception and approval is granted. |  |  | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Max payment shock is XXX%. CRSE in the file cites this exception and approval is granted. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010439 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010045 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant ; Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010045 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010045 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010042 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Guideline Violation: Property is not Owner Occupied | Guidelines require an XXX loan to be XXX. XXX in the file cites this exception and approval is granted. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2026010034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010063 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Guidelines require no XXX day late for XXX months. XXX in the file cites this exception and approval is granted. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010063 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010063 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010495 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note reflects a monthly payment of XXX but calculations indicate a monthly payment of XXX. Please opine. | XXX: Note |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010495 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit reports for XXX and XXX: XXX and XXX | XXX: Credit report |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010494 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note reflects a monthly payment of XXX but closing disclosure and tape value reflect a monthly payment of XXX. Please XXX. | XXX: Note |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010392 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX Cash to Borrower > Max Cash Out Amount of XXX with LTV greater than XXX% | XXX: Waived via XXX |  | XXX: Waived | XXX | FICO XXX, XXX months reserves, XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010371 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for the use of XXX as qualifying income | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010380 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010386 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to use funds in bank account ending in #XXX | XXX: XXX search |  | XXX: Received | XXX | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010386 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for XXX | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010484 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010480 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Missing prepayment penalty addendum to note. Closing disclosure reflects XXX of XXX years | XXX: Updated |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010492 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010476 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010407 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Short Term Rental Income - Missing or Defective | Missing XXX months XXX income: it is a refi transaction. Per guidelines sectionXXX "Monthly rental income will be derived from a XXX-month statement from XXX/XXX or other XXX plus XXX bank statements to show receipt of the income." | XXX: XXX |  | XXX: CRSE | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010382 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Lease agreement is only XXX months and leases per guidelines must be XXX months. Lease also reflects market rent of XXX which does not support client tape value of XXX. | XXX: Please see exception |  | XXX: Exception to use appraiser STR income and DSCR < XXX received<br> XXX: Because this is a Cash Out Refinance, we must use XXX-month rent receipts for STR income (defined in XXX guideline screenshot below). We will need an exception to use STR income of any other form for qualifying DSCR (1007, XXX, XXX, etc.). It must also meet the other stips below (FICO, LTV, and DSCR limits). | XXX | FICO XXX, LTV XXX%, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010490 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010489 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010488 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | 20251024: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010473 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010354 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010398 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Missing XXX amount for subject property: XXX | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010359 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Missing Executed Note | XXX: Note |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010321 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010349 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010316 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010276 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010331 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010317 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loans meets all applicable guidelines. | XXX: Clear |  | 20251028: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010318 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Mortgage borrower name does not match entity documentation. Mortgage reflects "XXX" and entity documentation reflects "XXX". Please XXX | XXX: Mtg |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance in file is not effective XXX days after funding. Please provide updated insurance with it extended at least until XXX | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010469 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Title commitment XXX is missing mortgage clause and lender's name. Please provide updated title commitment | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010305 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010268 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010294 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010404 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010303 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing XXX for XXX giving XXX. | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010315 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX/XXX verbiage. | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010346 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Credit Score Requirement Not Met | Borrower XXX does not meet FICO or tradeline requirements | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, XXX months reserves, LTV XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010459 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010361 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010357 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010254 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010330 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010399 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010288 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010282 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010367 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Guarantor Identification Missing or Defective | Missing identification for guarantor : XXX | XXX: ID |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010211 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX number. Please provide updated insurance | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010263 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010252 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010466 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010465 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX and XXX% for XXX. It must also be "soft" The XXX in file XXX months at XXX% which is not allowed per guidelines. | XXX: Email |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010465 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010368 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Market Rent - Missing or Defective | Missing 1007 for subject property | XXX: Uploaded XXX for exceptions. |  | XXX: Exception approval received | XXX | FICO XXX, XXX months reserves,XXX D B | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010291 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing premium amount. Please provide the updated hazard insurance | XXX: uploaded |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010368 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | DSCR Minimum Not Met | DSCR of .XXX < XXX minimum required to use XXX for qualifying rent | XXX: Uploaded XXX for exceptions. |  | XXX: Exception approval received | XXX | FICO XXX, XXX months reserves,XXX D B | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010368 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% LTV limit for the use of XXX for qualifying rent and XXX | XXX: Uploaded XXX for exceptions. |  | XXX: Exception approval received | XXX | FICO XXX, XXX months reserves,XXX D B | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010241 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX cash to borrower > XXX max cash out amount limit for LTV of XXX% | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010242 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010390 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010255 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010240 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010253 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010274 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010235 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010229 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010471 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for short-term rentals qualified based on XXX | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010472 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010277 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010472 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010201 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010164 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010406 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010234 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010256 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010213 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010121 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010363 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010217 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010243 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010177 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance is not effective for XXX-days after the date of funding which is ineligible per guidelines. Please provide updated hazard insurance that is effective until at least XXX | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010220 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX cash to borrower > XXX max limit allowed for refinance transaction with LTV of XXX | XXX: XXX in file |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010215 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010147 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010251 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010270 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010311 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010449 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Missing mortgage/deed of trust document | XXX: Mortgage |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010449 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance not effective at the time of origination. Origination date; XXX - Hazard Insurance effective date; XXX | XXX: Hazard |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010247 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010370 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010151 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010157 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010385 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010186 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (XXX) | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010186 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance must be effective for XXX days after closing date. Please update insurance to at least XXX | XXX: Hazard |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010405 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Calculated note payment reflects XXX which differs from client tape of XXX. XXX also reflects interest only note while note in file does not reflect interest only. Please XXX | XXX: updated note |  | XXX: Received corrected note | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010401 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Asset Documentation Missing or Defective | XXX asset documentation. Please provide bank statement for on or after XXX. | XXX: Asset |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010440 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010320 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010169 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: uploaded |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010455 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Flood Cert or Evidence not in a XXX Missing | Flood Certificate is missing: XXX | XXX: Flood |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010250 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% maximum LTV for the use of XXX for qualifying income | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010154 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010129 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010153 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010326 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010204 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010156 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010180 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010461 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010181 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010474 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010244 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010410 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010464 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010104 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance is not effective for XXX-days after the date of funding which is ineligible per guidelines. Please provide updated hazard insurance that is effective until at least XXX | XXX: Updated |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010261 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010191 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010143 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010120 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010431 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010132 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010167 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010446 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010103 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010103 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Aged | Credit report aged XXX days > XXX days max allowed | XXX: Credit |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010366 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010081 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010077 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010126 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010083 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010434 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010122 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed; XXX% max allowed for short-term rentals qualified based on XXX income, Declining Market XXX% reduction | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010079 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010125 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010080 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for short-term rentals qualified based on XXX income | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010097 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010162 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010098 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010091 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010032 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010094 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010031 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Sales Contract Missing or Defective | Sales contract does not reflect correct sales price of XXX. Please provide updated sales contract. | XXX: Amendment |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010127 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | XXX liquidity < XXX cash to close and XXX months reserves required. Please provide updated asset documentation. #XXX reflects XXX, #XXX reflects XXX | XXX: Bank statement |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010096 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX minimum required square feet. XXX which is ineligible. | XXX: XXX |  | XXX: Waived | XXX | FICO XXX, months reserves XXX, LTV XXX% B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010087 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010310 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX verbiage after XXX. | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010145 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010208 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010064 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010089 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010287 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010093 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010066 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010149 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% maximum LTV for declining market and use of XXX as qualifying income. | XXX: Uploaded XXX for exceptions and XXX Approval. |  | XXX: Exception approval received | XXX | FICO XXX, XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2026010388 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing closing protection letter | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010433 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010228 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010131 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010055 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010298 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010179 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010067 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (XXX). | XXX: XXX |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010070 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Market Rent - Missing or Defective | Rental XXX utilized for qualifying rental income is not acceptable per guidelines. This loan is underwritten to XXX guidelines dated XXX. | XXX: Overlay |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010035 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010037 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010033 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010067 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Market Rent - Missing or Defective | Rental XXX utilized for qualifying rental income is not acceptable per guidelines. This loan is underwritten to XXX guidelines dated XXX. | XXX: Overlay |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010036 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010086 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010297 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance not effective at the time of origination. Origination date; XXX - Hazard Insurance effective date; XXX | XXX: uploaded XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010376 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010029 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010351 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010010 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010146 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010072 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX uploaded |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010003 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010430 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010207 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010106 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: uploaded credit report |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010022 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010012 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010041 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010024 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010141 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010016 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010133 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010436 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010051 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010023 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010232 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010028 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010039 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010111 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010025 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010206 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010007 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010017 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010015 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010100 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010006 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010005 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010048 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010113 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010400 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010008 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010019 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010075 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010013 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010062 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010002 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010011 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010001 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift Funds are reflected on the Final CD. Provide a copy of the certified check, cashier's check, money order or wire transfer to the closing agent for the gift funds. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Wire from Donor's account to Settlement Agent received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010054 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010060 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010060 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010060 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010422 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party XXX Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a XXX dated XXX days prior to closing. Please provide a XXX dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010422 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010422 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Hey. can you please advise what is needed to clear? thanks, | XXX | XXX Compliant ; Material | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require a XXX month housing history. Please provide documentation for borrowers housing for the last XXX months | Document Uploaded. | XXX | Borrower was just deeded onto the primary residence in XXX of XXX per public records on page XXX and page XXX. Property is owned free and clear. No payment history. Condition rescinded. | XXX | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010423 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2026010421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Need proof that judgment listed on title has been removed as it was not paid on closing disclosure | Document Uploaded. | XXX | Property Title Issue Resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hey. pleaes advise what is needed to clear. thanks | XXX | XXX Compliant ; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant ; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Maximum XXX% LTV when business is less than XXX years old. CRSE in the file cites this exception and approval is granted. |  |  | CRSE in file | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Maximum XXX% LTV when business is less than XXX years old. XXX in the file cites this exception and approval is granted. |  |  | CRSE in file | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Maximum XXX% LTV when business is less than XXX years old. XXX in the file cites this exception and approval is granted. |  |  | CRSE in file | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party XXX Prior to Close Missing | Borrower 2 3rd Party XXX Prior to Close Missing Third Party verification is dated more than XXX days of closing. | Document Uploaded. | XXX | Borrower 2 3rd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant |  |  | Informational Only; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010427 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010419 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010419 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010419 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2026010429 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Flood Insurance Missing or Defective | Missing Flood Insurance for the subject Property : XXX | XXX: Flood |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010420 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010425 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The zero tolerance violation in the amount of $XXX is due to the increase in the credit report fee. The XXX in file did not have a valid reason for the fee to increase This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Copy of check provided, cure package is missing a copy of the XXX, XXX and proof of delivery | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the XXX.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. Corrected finance charges; exception resolved Corrected finance charges; exception resolved |  |  |  | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Please provide documentation showing property had XXX in place at the time of closing. | Document Uploaded. ; Document Uploaded. | XXX | Received Lender Attestation confirming no insurance claims filed between Note date and effective date of insurance. Condition cleared.; Policy number on attestation does not match the policy number on the declarations page in file. Please provide an updated policy or an updated attestation. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010049 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010142 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010136 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the XXX determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a XXX, XXX, copy of refund XXX, and proof of delivery or valid XXX. The XXX violation in the amount of $XXX is due to the addition of the final inspection fee on the LE dated XXX without valid COC. COC dated XXX does not provide reason for fee addition. Appraisal completed subject to final filing of plat map; however, the XXX submission summary report indicates the original submission occurred on XXX which is more than XXX business days prior to COC date. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Check provided; cure package is missing a copy of the XXX, XXX and proof of delivery | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and XXX market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant ; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (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.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a XXX. |  |  | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010142 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of XXX, XXX, and/or XXX for non-subject property | Need proof of XXX for XXX | Document Uploaded. Uploaded XXX for XXX. | XXX | XXX for XXX property received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010142 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Missing amendment for act of sale to be on or before XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010136 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet XXX Requirements Provide a copy of the executed CD from the sale of the XXX and a copy of the funds wire to the title company for additional review. | Document Uploaded. Uploaded CD and wire confirmation for sale of home. Also updated proceeds amount on XXX and uploaded XXX with reserves updated. | XXX | Final Settlement Statement for sale of departure residence and wire to XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Delinquent XXX Does Not Meet Guideline Requirements | XXX Credit History Does Not Meet Guideline Requirements The XXX reflects a collection account that last report XXX. The account has been paid in full. Per XXX - No collection accounts allowed in the past XXX months. | Document Uploaded. Uploaded XXX - exception. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2026010142 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2026010136 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2026010109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2026010059 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |

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## Exhibit 99.14

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 2026010142 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010136 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010109 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010059 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010414 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010413 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010409 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2026010496 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2026010491 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010394 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010498 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2026010383 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010360 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010483 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010389 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010396 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A B |
| 2026010485 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010502 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2026010377 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010487 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010379 |  |  | XXX C | D | D | D | D | D A | B | B | B | B | B A |
| 2026010493 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2026010486 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010393 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010403 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010373 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2026010481 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2026010365 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A B |
| 2026010324 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010336 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010478 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010284 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026010384 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010497 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010344 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010457 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010453 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010348 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010454 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010327 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010325 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010387 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010273 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010408 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010246 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010296 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010374 |  |  | XXX A | D | D | D | D | D A | A | A | A | A | A |
| 2026010479 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010475 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010447 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010460 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010362 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2026010319 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010355 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010381 |  |  | XXX A | A | A | A | A | A D | A | A | A | A | A |
| 2026010451 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010397 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010275 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010308 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010468 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010482 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010293 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010375 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010395 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010358 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010416 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010332 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010352 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010267 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010334 |  |  | XXX C | C | C | C | C | C B | B | B | B | B | B |
| 2026010279 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010477 |  |  | XXX C | B | B | B | B | B C | A | A | A | A | A B |
| 2026010499 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010343 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010345 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010391 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010312 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010415 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026010295 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010501 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010417 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010265 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010258 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010347 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2026010239 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010369 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010378 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010209 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010271 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010226 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010337 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010300 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010372 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010214 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010341 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010314 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010309 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010283 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010278 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2026010301 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010350 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010364 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010158 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010163 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010266 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010286 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010329 |  |  | XXX D | D | D | D | D | D C A | B | B | B | B | B A |
| 2026010249 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010193 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010205 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026010230 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010173 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010184 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010335 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010195 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010219 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010448 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010187 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010225 |  |  | XXX A | D | D | D | D | D A | A | A | A | A | A |
| 2026010257 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010221 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010227 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2026010299 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010216 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010212 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010272 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010445 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2026010198 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010262 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010199 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010292 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010443 |  |  | XXX C | D | D | D | D | D A | B | B | B | B | B A |
| 2026010203 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010223 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010313 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026010441 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010188 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010183 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010444 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010259 |  |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 2026010172 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010245 |  |  | XXX A | D | D | D | D | D A | A | A | A | A | A |
| 2026010152 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010194 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010342 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010333 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010290 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010202 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010248 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010328 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010231 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010236 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010190 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010115 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2026010470 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010411 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010281 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010462 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010197 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2026010165 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010174 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010452 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010340 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010182 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010150 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010139 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010082 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010148 |  |  | XXX C | D | D | D | D | D A | A | A | A | A | A |
| 2026010412 |  |  | XXX C | C | C | C | C | C B | B | B | B | B | B A |
| 2026010160 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010166 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010238 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010189 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010161 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010463 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010088 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010138 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010467 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2026010155 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010306 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010338 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010269 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010057 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010233 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A B |
| 2026010052 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2026010402 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010144 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010339 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010196 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010458 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010053 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010200 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010128 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010356 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010442 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010116 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010289 |  |  | XXX D | C | C | C | C | C D A | B | B | B | B | B |
| 2026010210 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010500 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010456 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010101 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010137 |  |  | XXX A | C | C | C | C | C B A | B | B | B | B | B |
| 2026010092 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010171 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010237 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010076 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010107 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010438 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010304 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010260 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010130 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010170 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010176 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010073 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010418 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010432 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010114 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010192 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2026010112 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010168 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010084 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2026010124 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010119 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010095 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010118 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010435 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010450 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010043 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2026010437 |  |  | XXX A | D | D | D | D | D A | B | B | B | B | B A |
| 2026010307 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010159 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2026010134 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010058 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010090 |  |  | XXX A | D | D | D | D | D A | A | A | A | A | A |
| 2026010085 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010218 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010069 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2026010056 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010074 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010038 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010175 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010140 |  |  | XXX A | B | B | B | B | B D A | A | A | A | A | A |
| 2026010061 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010046 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2026010050 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2026010068 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010135 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010027 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010353 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010117 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010049 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2026010110 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010071 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010105 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2026010123 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010078 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010102 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010020 |  |  | XXX C | C | C | C | C | C A | B | B | B | B | B A |
| 2026010026 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010099 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010044 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010021 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010018 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010178 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2026010004 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010439 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010045 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010040 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010042 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2026010034 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010009 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010014 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010063 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010495 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010494 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010392 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2026010371 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010380 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010386 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2026010484 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010480 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010492 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010382 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2026010407 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010476 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010490 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010489 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010488 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010473 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010398 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010359 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010354 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010285 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010318 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010276 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010316 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010317 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010302 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010331 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010321 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010305 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010268 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010294 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010303 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010315 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010349 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010469 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010323 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010404 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010346 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2026010357 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010254 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010459 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010361 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010330 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010264 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010211 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010367 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010399 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010288 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010282 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010466 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010291 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010263 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010252 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010368 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2026010241 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010465 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010242 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010390 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010255 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010322 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010471 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010235 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010240 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010274 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010253 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010229 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010277 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010472 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010222 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010177 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010256 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010201 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010164 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010406 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010234 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010220 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2026010213 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010363 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010217 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010243 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010121 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010247 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010215 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010449 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 2026010147 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010270 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010251 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010311 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010385 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010370 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010157 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010280 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010405 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010401 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010186 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 2026010151 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010250 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010455 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010440 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010320 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010169 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010154 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010129 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010204 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010153 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010326 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010474 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010180 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010244 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010156 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010224 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010461 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010181 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010108 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010410 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010464 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010104 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010261 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010191 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010143 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010120 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010431 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010132 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010077 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010366 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010081 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010167 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010446 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010103 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010126 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010083 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010434 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010122 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010079 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010185 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010080 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010125 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010091 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010097 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010162 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010098 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010032 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010127 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010094 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010031 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010096 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2026010087 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010310 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010065 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010145 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010089 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010287 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010208 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010064 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010093 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010066 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010149 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2026010388 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010433 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010228 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010131 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010055 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010179 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010070 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010037 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010033 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010047 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010298 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010067 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010035 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010086 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010297 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2026010376 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010029 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010036 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010351 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010010 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010146 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010072 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010430 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010012 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010003 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010207 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010106 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010022 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010041 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010024 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010133 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010030 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010141 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010016 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010028 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010436 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010051 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010023 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010232 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010039 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010111 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010025 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010006 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010007 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010100 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010005 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010048 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010206 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010017 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010015 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010113 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010008 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010400 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010019 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010075 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010013 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010002 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010001 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010011 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010062 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010054 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010060 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010422 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010423 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2026010421 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2026010426 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2026010428 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2026010427 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010419 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010424 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2026010429 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2026010420 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2026010425 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.15

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2026010414 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2026010413 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0389 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -4% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2026010409 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010496 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0523 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0523 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2026010491 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010394 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010498 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2026010383 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010360 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010483 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010389 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2026010396 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010485 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2026010502 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026010377 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010487 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010379 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010493 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026010486 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010393 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010403 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2026010373 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010481 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010365 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010324 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2026010336 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010478 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010284 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2026010384 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2026010497 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010344 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2026010457 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010453 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010348 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026010454 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010327 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010325 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010387 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026010273 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2026010408 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2026010246 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010296 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026010374 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0668 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 7% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010479 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010475 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010447 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | 0.0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010460 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2026010362 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010319 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2026010355 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2026010381 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010451 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 2026010397 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010275 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0576 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0576 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 2026010308 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010468 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026010482 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010293 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010375 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 7% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026010395 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0029 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0029 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026010358 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2026010416 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010332 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010352 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026010267 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2026010334 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2026010279 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010477 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | -.0067 | AVM |  |  |  |  |  | XXX | XXX | -1% | XXX | 0.02 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010499 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010343 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010345 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0345 | 1004 URAR |  |  |  |  | XXX | XXX | 0.0345 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2026010391 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026010312 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010415 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010295 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 2026010501 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010417 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010265 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.006 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026010258 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010347 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2026010239 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 4% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010369 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010378 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2026010209 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026010271 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010226 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2026010337 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010300 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010372 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026010214 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2026010341 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010314 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010309 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010283 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2026010278 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2026010301 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010350 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010364 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2026010158 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026010163 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0534 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 5% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026010266 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2026010286 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0115 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 1% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2026010329 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010249 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010193 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0158 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0158 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010205 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010230 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.0318 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -3% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2026010173 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010184 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010335 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0711 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -7% | XXX | 0.08 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026010195 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010219 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2026010448 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010187 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010225 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010257 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010221 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010227 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010299 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0175 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0175 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2026010216 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010212 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010272 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010445 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010198 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0709 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0709 | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010262 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2026010199 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2026010292 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010443 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026010203 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010223 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0630 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2026010313 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.1847 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.1847 | XXX | 0.23 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0 | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010441 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010188 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010183 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010444 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010259 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026010172 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010245 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.1506 | XXX | 0.14 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2026010152 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXX | 0 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010194 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0579 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2026010342 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010333 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2026010290 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2026010202 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2026010248 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010328 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0620 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010231 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010236 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2026010190 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026010115 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0717 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 7% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026010470 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010411 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 1% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010281 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2026010462 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2026010197 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0147 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0147 | XXX | 0.1 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010165 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010174 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010452 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010340 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010182 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0320 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.032 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 2026010150 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010139 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026010082 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010148 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010412 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2026010160 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2026010166 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 6% | XXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026010238 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0412 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.0412 | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2026010189 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2026010161 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2026010463 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010088 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010138 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026010467 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010155 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026010306 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010338 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010269 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2026010057 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010233 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2026010052 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2026010402 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2026010144 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2026010339 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026010196 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026010458 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2026010053 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2026010200 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010128 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 2026010356 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2026010442 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010116 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026010289 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .1971 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .1971 | ClearCapital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026010210 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2026010500 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010456 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010101 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026010137 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010092 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010171 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010237 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010076 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026010107 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010438 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010304 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010260 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 1% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2026010130 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.0841 | XXX | 1073 Individual XXX Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010170 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0271 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0271 | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 2026010176 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010073 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2026010418 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026010432 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2026010114 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 999 |  |
| 2026010192 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010112 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010168 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010084 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0095 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 1% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026010124 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.063 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026010119 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2026010095 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010118 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010435 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026010450 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0707 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -7% | XXX | 0.7 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2026010043 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2026010437 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | -.0268 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2026010307 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010159 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010134 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2026010058 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010090 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 11% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026010085 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010218 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010069 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2026010056 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010074 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010038 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010175 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0263 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0263 | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010140 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010061 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010046 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010050 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2026010068 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010135 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 2026010027 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010353 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010117 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2026010049 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | -.0614 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2026010110 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010071 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2026010105 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2026010123 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026010078 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010109 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2026010102 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2026010020 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010026 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.61 |  |
| 2026010099 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 2026010142 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2026010059 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2026010044 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010021 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010018 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2026010178 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010004 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2026010439 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2026010045 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010040 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010042 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0553 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.0553 | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 2026010034 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2026010009 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010014 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010063 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010495 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3% | XXX | 13% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010494 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010392 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 4% | XXX | 6% | ClearAVM |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010371 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010380 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010386 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 6% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010484 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010480 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010492 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2026010382 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010407 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010476 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010490 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026010489 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2026010488 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010473 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010398 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026010359 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010354 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010285 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010318 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010276 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010316 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010317 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010302 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010331 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010321 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010305 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5% | XXX | 7% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010268 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010294 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010303 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010315 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010349 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010469 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2026010323 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010404 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010346 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2026010357 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010254 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026010459 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010361 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2026010330 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010264 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010211 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2026010367 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010399 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010288 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Not Eligible | N/A |  |
| 2026010282 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010466 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010291 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010263 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010252 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010368 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010241 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010465 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010242 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010390 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010255 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2026010322 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010471 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026010235 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010240 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010274 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.89% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010253 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010229 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010277 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010472 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010222 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010177 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010256 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010201 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010164 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010406 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010234 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010220 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010213 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2026010363 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010217 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010243 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010121 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010247 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 2026010215 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.1 |  |
| 2026010449 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010147 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2026010270 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010251 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2026010311 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010385 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010370 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026010157 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010280 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010405 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 2026010401 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010186 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010151 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010250 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010455 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010440 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010320 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010169 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010154 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026010129 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010204 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010153 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010326 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010474 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 1 |  |
| 2026010180 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010244 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2026010156 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 1 |  |
| 2026010224 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010461 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010181 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010108 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010410 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010464 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010104 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2026010261 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010191 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6% | XXX | 11% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010143 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010120 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 1.6 |  |
| 2026010431 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010132 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010077 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010366 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010081 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010167 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010446 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010103 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010126 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010083 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010434 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 2026010122 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010079 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010185 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2026010080 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010125 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2026010091 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010097 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2026010162 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010098 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010032 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2026010127 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010094 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010031 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010096 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2026010087 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010310 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 2026010065 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010145 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010089 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010287 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010208 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010064 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010093 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010066 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010149 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010388 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010433 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010228 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.5 |  |
| 2026010131 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010055 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010179 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010070 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010037 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010033 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010047 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010298 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010067 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010035 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010086 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2026010297 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2026010376 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2026010029 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010036 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010351 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010010 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010146 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010072 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010430 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010012 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010003 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010207 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2026010106 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010022 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2026010041 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010024 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010133 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.75% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010030 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010141 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010016 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010028 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010436 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010051 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010023 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010232 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010039 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2026010111 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 3.93% | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010025 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2026010006 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010007 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010100 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010005 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010048 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010206 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010017 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010015 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010113 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010008 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010400 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010019 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010075 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010013 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2026010002 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2026010001 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2026010011 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2026010062 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.5 |  |
| 2026010054 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010136 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2026010060 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2026010422 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010423 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010421 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010426 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010428 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010427 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2026010419 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2026010424 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 2026010429 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010420 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2026010425 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |

---

## Exhibit 99.16

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.16**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2026010414 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2026010414 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2026010414 | QM Qualifying Total Debt Income Ratio | XXX | XXX | small variance, broker v lender CBR |
| 2026010414 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010414 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 2026010413 | Borrower 1 Origination TransUnion | XXX | XXX | Using initial credit report |
| 2026010413 | Borrower 1 Origination Experian | XXX | XXX | Using initial credit report |
| 2026010413 | Borrower 1 Origination Equifax | XXX | XXX | Using initial credit report |
| 2026010413 | Qualifying FICO | XXX | XXX | Using initial credit report |
| 2026010413 | Qualifying Total Reserves Number of Months | XXX | XXX | Transfer from XXX to XXX were backed out from XXX. XXX statement and XXX transaction history missing to source the updated balance of XXX after down payment was sourced |
| 2026010413 | Qualifying Total Debt Income Ratio | XXX | XXX | Using initial credit and lender using a higher qualifying income |
| 2026010413 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using a higher qualifying income |
| 2026010413 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a higher qualifying income |
| 2026010409 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2026010409 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010409 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010496 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to bank statement |
| 2026010496 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010496 | Qualifying All Borrower Residual Income | XXX | XXX | Audit captured the negative rental income plus debt from the origination credit report and there is a slight variance in income (lower). |
| 2026010496 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit captured the negative rental income plus debt from the origination credit report. |
| 2026010491 | Application Date | XXX | XXX | Verified to initial 1003 and disclosure tracking summary |
| 2026010491 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to cashout amount from Final CD |
| 2026010491 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to 1008 |
| 2026010491 | Qualifying All Borrower Residual Income | XXX | XXX | Total income minus total debt |
| 2026010498 | Application Date | XXX | XXX | Disclosure Tracking reflects an application date of XXX. |
| 2026010498 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified assets listed on the F1003 and verified earnest money. |
| 2026010498 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender's property taxes amount was greater than the actual amount. |
| 2026010498 | Qualifying Total Debt Income Ratio | XXX | XXX | 1008 DTI is XXX%. Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender's property taxes amount was greater than the actual amount. |
| 2026010498 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender's property taxes amount was greater than the actual amount. CRSE reflects residual income of $XXX. |
| 2026010383 | Qualifying Total Reserves Number of Months | XXX | XXX | The file is short on both cash to close and reserves. Per Lender Guidelines Section XXX, audit can only consider XXX% of the funds in XXX. Although the account holds $XXX under XXX% ownership, Borrower B owns only XXX% of the business. Therefore, only $XXX is eligible for use. |
| 2026010383 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010383 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010360 | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets in file minus cash to close. Not using the XXX with XXX as it was not listed on the final 1003 |
| 2026010360 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender included the borrowers current primary residence payment in the DTI XXX ($XXX) |
| 2026010360 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010360 | Qualifying All Borrower Residual Income | XXX | XXX | Debts used on initial unexpired broker credit report vs. lenders report |
| 2026010483 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2026010389 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010389 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010396 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets minus cash to close |
| 2026010396 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding |
| 2026010396 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010396 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010485 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is using full amount of business assets. Borrower owns XXX% of the business. |
| 2026010485 | Qualifying Total Debt Income Ratio | XXX | XXX | Appears Lender omitted monthly lease. |
| 2026010485 | Underwriting Exception in File? | XXX | XXX | Exception in the file |
| 2026010485 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010502 | Application Date | XXX | XXX | Per Disclosure Tracking the application date is XXX. |
| 2026010502 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. XXX report is missing. |
| 2026010502 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010502 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance. XXX report is missing. |
| 2026010377 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2026010377 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using liabilities from the initial unexpired broker credit report vs. lender's report |
| 2026010377 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using liabilities from the initial unexpired broker credit report vs. lender's report |
| 2026010487 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2026010487 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker credit report. Mortgage also included from property awarded to ex-wife per divorce decree. Audit did not include into monthly liabilities. |
| 2026010487 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010487 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities from broker credit report. Mortgage also included from property awarded to ex-wife per divorce decree. Audit did not include into monthly liabilities. |
| 2026010379 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on documents in the file. |
| 2026010379 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010379 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender's subject property taxes wer $XXX less than actual. |
| 2026010379 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX credit reports. |
| 2026010493 | Qualifying Housing Debt Income Ratio | XXX | XXX | per credit docs |
| 2026010493 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs |
| 2026010493 | Qualifying All Borrower Residual Income | XXX | XXX | Per income docs |
| 2026010486 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010486 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010393 | Borrower 1 Origination Equifax | XXX | XXX | using mid score from primary wage earner |
| 2026010393 | Borrower 1 Origination Experian | XXX | XXX | using mid score from primary wage earner |
| 2026010393 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on verified assets minus cash to close |
| 2026010393 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used Initial unexpired credit report dated XXX vs lender using refresh report |
| 2026010393 | Qualifying All Borrower Residual Income | XXX | XXX | Audit used Initial unexpired credit report dated XXX vs lender using refresh report |
| 2026010403 | Initial Monthly P&I Or IO Payment | XXX | XXX | Per guideline XXX year XXX calculation |
| 2026010403 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX reflects $XXX as of XXX, additional statements were provided for XXX & XXX XXX. the balance as of XXX reflects $XXX, loan closed XXX - audit using the most current balance of $XXX. |
| 2026010403 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010403 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010373 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010373 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010373 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010481 | Qualifying Total Reserves Number of Months | XXX | XXX | I was unable to match all the assets in the file. I used the more conservative amounts where there was a XXX is not in the file. |
| 2026010481 | Qualifying Total Debt Income Ratio | XXX | XXX | Lenders XXX calculation is slightly different than the actual figure - Audit $XXX vs lender $XXX per the 1008. |
| 2026010481 | Qualifying All Borrower Residual Income | XXX | XXX | Lenders XXX calculation is slightly different than the actual figure - Audit $XXX vs lender $XXX per the 1008. |
| 2026010365 | Qualifying FICO | XXX | XXX | Per brokers credit report dated XXX |
| 2026010365 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is including gift funds |
| 2026010365 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using the updated credit report |
| 2026010365 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010365 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using the updated credit report |
| 2026010324 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010324 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. 1008 reflects XXX%. |
| 2026010324 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010324 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010336 | Qualifying Total Reserves Number of Months | XXX | XXX | The documented reserve amount of XXX months (shown as XXX months in the loan file) is accurate and meets guideline requirements. Per XXX Bank Statement guidelines, minimum reserves of XXX months PITIA are required for this transaction. rounding issues. |
| 2026010336 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit calculated from diligence and verified income/expenses. Lender DTI per the 1008/CRSE =XXX% vs. audit XXX%. Variance due to other monthly housing expense $XXX added by audit according to the letter provided by the association. |
| 2026010336 | Qualifying All Borrower Residual Income | XXX | XXX | The residual income of $XXX is accurate and significantly exceeds the minimum guideline requirement. Per XXX guidelines, minimum residual income required is $XXX. The borrower's residual income of $XXX represents over XXX times the minimum requirement, demonstrating exceptional capacity to meet monthly obligations after all debt payments. |
| 2026010478 | Qualifying Total Reserves Number of Months | XXX | XXX | 1008 reflects XXX months. |
| 2026010478 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010478 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010284 | Qualifying Total Reserves Number of Months | XXX | XXX | Cannot use gift funds towards reserves |
| 2026010284 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender shows monthly HOA assessment at $XXX. Invoice from association is $XXX. Used conservative figure. |
| 2026010284 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010284 | Qualifying All Borrower Residual Income | XXX | XXX | Lender shows monthly HOA assessment at $XXX. Invoice from association is $XXX. Used conservative figure. |
| 2026010384 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2026010384 | Qualifying Housing Debt Income Ratio | XXX | XXX | verified XXX taxes higher than shown on 1008 |
| 2026010384 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010384 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010497 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender credit cross check. minor variance, no impact on qualification or guideline compliance |
| 2026010497 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender credit cross check. minor variance, no impact on qualification or guideline compliance |
| 2026010344 | Qualifying Total Reserves Number of Months | XXX | XXX | conversion of pesos to XXX exceeded amount stated on 1003. Used statement date to calculate conversion |
| 2026010344 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010344 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010457 | Application Date | XXX | XXX | per initial 1003 |
| 2026010457 | Qualifying Total Debt Income Ratio | XXX | XXX | Even backing the installment loan from XXX out of the borrower's debt service because the payments are documented coming from the XXX, the DTI is still over XXX%. Audit did not find evidence of additional debt payoff or underwriting notes explaining why debt on the XXX would not be used in calculating the DTI. |
| 2026010457 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010453 | Qualifying Total Reserves Number of Months | XXX | XXX | proceeds from closing of departure residence not verified |
| 2026010453 | Qualifying Total Debt Income Ratio | XXX | XXX | Debt from origination report vs. lender XXX day report. |
| 2026010453 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010348 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2026010454 | Qualifying All Borrower Residual Income | XXX | XXX | Tape Data is rounded. |
| 2026010327 | Qualifying Total Debt Income Ratio | XXX | XXX | Income variation due to missed ineligible deposit. Not material |
| 2026010327 | Qualifying Housing Debt Income Ratio | XXX | XXX | Income variation due to missed ineligible deposit. Not material |
| 2026010327 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010325 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX property is slightly higher than listed on the 1003 |
| 2026010325 | Qualifying All Borrower Residual Income | XXX | XXX | XXX property is slightly higher than listed on the 1003 |
| 2026010387 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010387 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010273 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets in the file do not support the lenders 1003 and 1008. Lender is using XXX% funds for a business that has XXX% ownership and XXX has unsupported figure |
| 2026010273 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. The XXX does not reflect that it is being sold. Added as Investment property. |
| 2026010273 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2026010273 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report and debt from XXX that does not reflect sold. |
| 2026010408 | Borrower 1 Origination TransUnion | XXX | XXX | Per lenders credit report dated XXX |
| 2026010408 | Borrower 1 Origination Experian | XXX | XXX | Per lenders credit report dated XXX |
| 2026010408 | Borrower 1 Origination Equifax | XXX | XXX | Per lenders credit report dated XXX |
| 2026010408 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010246 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit using less income |
| 2026010246 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010246 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010296 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender's reserves was based on an XXX and not the most recent one in the file. |
| 2026010296 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender used $XXX for property taxes, whereas the Audit amount was $XXX |
| 2026010296 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender used $XXX for property taxes, whereas the Audit amount was $XXX |
| 2026010296 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between Audit subject PITI and Lender's amount. Lender used $XXX for property taxes, whereas the Audit amount was $XXX |
| 2026010374 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2026010479 | Initial Monthly P&I Or IO Payment | XXX | XXX | XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010479 | Application Date | XXX | XXX |  |
| 2026010479 | Property Type | XXX | XXX | Per appraisal and mortgage |
| 2026010479 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010479 | Qualifying Housing Debt Income Ratio | XXX | XXX | XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010479 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010479 | Qualifying All Borrower Residual Income | XXX | XXX | XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010475 | Application Date | XXX | XXX | per initial 1003 |
| 2026010475 | Property Type | XXX | XXX | Per appraisal says attached townhouse |
| 2026010475 | Qualifying Housing Debt Income Ratio | XXX | XXX | XXX% front end matches the lenders 1008 and CRSE |
| 2026010475 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% front back matches the lenders 1008 and CRSE |
| 2026010475 | Qualifying All Borrower Residual Income | XXX | XXX | Audit residual income matches lenders residual income listed on the CRSE. |
| 2026010447 | Property Type | XXX | XXX | Audit updated to Townhome based on ASF definition |
| 2026010447 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on assets verified and sourced appropriately with current bank statements minus cash to close. Reserve requirement satisfied. |
| 2026010447 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit_ housing debt applicable per diligence review - XXX% matches the lenders 1008/CRSE. |
| 2026010447 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI Discrepancy resulting from variance between consumer debt on initial unexpired report dated XXX and XXX-Day credit reports. |
| 2026010447 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income discrepancy resulting from variance between consumer debt on initial unexpired report dated XXX and XXX-Day credit reports. |
| 2026010460 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2026010460 | Qualifying All Borrower Residual Income | XXX | XXX | Using verified income minus debt from origination credit report minus XXX day acct and XXX. |
| 2026010362 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file and matches lenders 1008 |
| 2026010362 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010362 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010362 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010319 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report |
| 2026010319 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010319 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010355 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010355 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010355 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010355 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010381 | Cash Disbursement Date | XXX | XXX | Per closing CD. |
| 2026010381 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is not self-employed. B2 is self-employed |
| 2026010381 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets documented in the loan minus funds required for closing. |
| 2026010381 | Qualifying Housing Debt Income Ratio | XXX | XXX | The lender failed to add the HOA paymentt. |
| 2026010381 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debts from the origination credit report, added HOA payment. |
| 2026010381 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from the credit report dated XXX and lender did not add the HOA payment. |
| 2026010451 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on verified assets documented in the file. |
| 2026010451 | Qualifying Total Debt Income Ratio | XXX | XXX | Based on the XXX credit report debts which do not match the lender's debts and re-verified income. |
| 2026010451 | Qualifying All Borrower Residual Income | XXX | XXX | Based on the XXX credit report debts and re-verified income. |
| 2026010397 | Qualifying FICO | XXX | XXX | Score obtained from XXX credit report. |
| 2026010397 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010397 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2026010275 | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets in the file minus cash to close |
| 2026010275 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2026010275 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010275 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010308 | Qualifying Total Debt Income Ratio | XXX | XXX | Missing documentation for XXX |
| 2026010308 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per documents in the file and matching the 1008 |
| 2026010308 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010308 | Qualifying All Borrower Residual Income | XXX | XXX | Missing documentation for XXX |
| 2026010468 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010482 | Application Date | XXX | XXX | per initial application |
| 2026010482 | Property Type | XXX | XXX | Property is a XXX, confirmed per appraisal and completed XXX questionnaire |
| 2026010482 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets plus cash out at closing |
| 2026010482 | Qualifying Housing Debt Income Ratio | XXX | XXX | PITIA for primary is not verified, subject to verification |
| 2026010482 | Qualifying Total Debt Income Ratio | XXX | XXX | PITIA non-subject properties subject to verification |
| 2026010482 | Qualifying All Borrower Residual Income | XXX | XXX | PITIA for rental is not verified, subject to verification |
| 2026010293 | Qualifying CLTV | XXX | XXX | Lenders calculation does not match the loan amount/appraised value. |
| 2026010293 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent bank statement balances from the accts listed on the XXX. |
| 2026010293 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance-Added the XXX Financing solar lien as XXX lien payment. |
| 2026010293 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010293 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010375 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the assets documented in the file. Stocks/Bonds used XXX% for value-per Guidelines. Also using cash-out. |
| 2026010375 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010375 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010395 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified XXX acct balance minus additional funds deposited to XXX on XXX and received per CD as Closing Funds (buyer). |
| 2026010395 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| 2026010395 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010358 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010358 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010416 | Borrower 1 Origination Experian | XXX | XXX | Experian based on credit report dated XXX |
| 2026010416 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010416 | Borrower 1 Origination Equifax | XXX | XXX | Equifax based on credit report dated XXX |
| 2026010416 | Property Type | XXX | XXX | Townhome based on ASF Deninition |
| 2026010416 | Qualifying Housing Debt Income Ratio | XXX | XXX | Difference in lender's income $XXX vs. Audit $XXX due to lender giving B business mileage, however this was for non-b spouse schedule C, not for Borrowers business. In addition, lender didn't account for the meals & entertainment deduction for XXX in the amount of $XXX. |
| 2026010416 | Qualifying Total Debt Income Ratio | XXX | XXX | changes in the XXX from broker to lender and difference in lender's income $XXX vs. Audit $XXX due to lender giving B business mileage, however this was for non-b spouse schedule C, not for Borrowers business. In addition, lender didn't account for the meals & entertainment deduction for XXX in the amount of $XXX. |
| 2026010416 | Qualifying All Borrower Residual Income | XXX | XXX | changes in the XXX from broker to lender and difference in lender's income $XXX vs. Audit $XXX due to lender giving B business mileage, however this was for non-b spouse schedule C, not for Borrowers business. In addition, lender didn't account for the meals & entertainment deduction for XXX in the amount of $XXX. |
| 2026010332 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010332 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010352 | Qualifying Total Reserves Number of Months | XXX | XXX | verified account balance plus cash out at closing |
| 2026010352 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010352 | Qualifying All Borrower Residual Income | XXX | XXX | Lender counting full PITI in DTI for the subject property along with $-XXX per the 1003. Audit only accounting for the full PITI in DTI. |
| 2026010267 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010267 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010334 | Qualifying FICO | XXX | XXX | Qualifying credit score per XXX credit report. |
| 2026010334 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets documented based on correct % of Usage Qualification. |
| 2026010279 | Qualifying Total Reserves Number of Months | XXX | XXX | Additional assets documented in file |
| 2026010477 | Application Date | XXX | XXX |  |
| 2026010477 | Qualifying Total Reserves Number of Months | XXX | XXX | Using assets in the file along with the post close CD to determine final cash out of XXX. |
| 2026010477 | Qualifying Total Debt Income Ratio | XXX | XXX | The borrower's bank statement income is not supported with the bank statement documents in the file at XXX% ownership and XXX% expense factor per XXX letter and there is a sligh variance on the PITIA for the property atXXX. based on data from the F1003. |
| 2026010477 | Qualifying Housing Debt Income Ratio | XXX | XXX | The borrower's bank statement income is not supported with the bank statement documents in the file at XXX% ownership and XXX% expense factor per XXX letter and there is a sligh variance on the PITIA for the property at XXX based on data from the F1003. |
| 2026010477 | Qualifying All Borrower Residual Income | XXX | XXX | Borrowers income is slightly lower than listed on the 1003 |
| 2026010499 | Application Date | XXX | XXX | Compliance entry |
| 2026010499 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file and match the 1003. |
| 2026010499 | Qualifying Total Debt Income Ratio | XXX | XXX | Income documents in the file support a lower income than the figure used by the lender. |
| 2026010499 | Qualifying All Borrower Residual Income | XXX | XXX | Income documents in the file support a lower income than the figure used by the lender. |
| 2026010343 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender has added the XXX for the primary property twice. |
| 2026010343 | Qualifying All Borrower Residual Income | XXX | XXX | Lender has added the XXX for the primary property twice. |
| 2026010345 | Qualifying LTV | XXX | XXX | Rounding difference |
| 2026010345 | Qualifying CLTV | XXX | XXX | Rounding difference |
| 2026010345 | Qualifying Total Reserves Number of Months | XXX | XXX | The file is missing proof of the final CD and wire from the sale of the XXX property. Entered assets but issued for missing the CD and wire from the sale. |
| 2026010345 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010391 | Borrower 1 Origination Equifax | XXX | XXX | FICO from original credit |
| 2026010391 | Borrower 1 Origination TransUnion | XXX | XXX | FICO from original credit |
| 2026010391 | Borrower 1 Origination Experian | XXX | XXX | FICO from original credit |
| 2026010391 | Qualifying LTV | XXX | XXX | Rounding |
| 2026010391 | Qualifying CLTV | XXX | XXX | Rounding |
| 2026010391 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using a slightly higher income for borrowers |
| 2026010391 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using a slightly higher income for borrowers |
| 2026010391 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a slightly higher income for borrowers |
| 2026010312 | Qualifying FICO | XXX | XXX | Per credit report dated XXX. |
| 2026010312 | Property Type | XXX | XXX | Townhome based on ASF definition |
| 2026010312 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports.. In addition, Lender included payment for XXX, which had been sold. |
| 2026010312 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports.. In addition, Lender included payment for XXX, which had been sold. |
| 2026010415 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010415 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010415 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010415 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010415 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010415 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010295 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower one reflects self employed, however no income was used, nor employment verified. |
| 2026010295 | Borrower 2 Origination TransUnion | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Borrower 1 Origination Equifax | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Borrower 2 Origination Equifax | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Borrower 1 Origination TransUnion | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Borrower 2 Origination Experian | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Borrower 1 Origination Experian | XXX | XXX | Credit score from XXX credit report. |
| 2026010295 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2026010295 | Qualifying All Borrower Residual Income | XXX | XXX | Rouding |
| 2026010501 | Application Date | XXX | XXX | Disclosure tracking reflects application date XXX. |
| 2026010501 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010501 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender failed to include taxes and insurance on additional XXX in calculations. |
| 2026010501 | Qualifying All Borrower Residual Income | XXX | XXX | Lender failed to include taxes and insurance on additional XXX in calculations. |
| 2026010417 | Borrower 1 Origination TransUnion | XXX | XXX | Credit report in file, dated XXX reflects a mid FICO score of XXX. |
| 2026010417 | Borrower 1 Origination Equifax | XXX | XXX | Credit report in file, dated XXX reflects an equifax score of XXX. |
| 2026010417 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt payments from the origination credit report. |
| 2026010417 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt payment from the origination credit report. |
| 2026010265 | Qualifying All Borrower Residual Income | XXX | XXX | Loan file images support residual income of $XXX. |
| 2026010258 | Qualifying Housing Debt Income Ratio | XXX | XXX | Variance is due to rounding. |
| 2026010258 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to rounding |
| 2026010347 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010347 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010347 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010347 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010347 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010239 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2026010239 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010239 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010369 | Qualifying Total Debt Income Ratio | XXX | XXX | Incorrect income used by lender |
| 2026010369 | Qualifying Housing Debt Income Ratio | XXX | XXX | Incorrect income used by lender |
| 2026010369 | Qualifying All Borrower Residual Income | XXX | XXX | Incorrect income used by lender |
| 2026010378 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010378 | Qualifying All Borrower Residual Income | XXX | XXX | Loan file images support residual monthly income in the amount of $XXX. |
| 2026010209 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified asset based on the most recent account statement in the file. |
| 2026010209 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010209 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010271 | Qualifying Total Reserves Number of Months | XXX | XXX | Loan file images support XXX months of reserves post closing. |
| 2026010271 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit updated liability amounts from most recent credit report, minor variance in DTI. |
| 2026010271 | Qualifying All Borrower Residual Income | XXX | XXX | Loan file images support $XXX in monthly residual income. |
| 2026010226 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010226 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010226 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010226 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010337 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit report |
| 2026010337 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit report |
| 2026010300 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010372 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010372 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010214 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010341 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010341 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010341 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010341 | Qualifying Total Debt Income Ratio | XXX | XXX | Variation in net rental income, using updated credit report due to additional acct debt. |
| 2026010341 | Qualifying All Borrower Residual Income | XXX | XXX | Variation in net rental income, using updated credit report due to additional acct debt. |
| 2026010314 | Qualifying Total Reserves Number of Months | XXX | XXX | Removed large deposit of $XXX from XXX acct ending in XXX |
| 2026010314 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2026010314 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010309 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010309 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010283 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets match 1003 and 1008 - XXX not sourced |
| 2026010283 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010283 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010278 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit averaging income for B1 - $XXX used vs lender $XXX |
| 2026010278 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit averaging income for B1 - $XXX used vs lender $XXX |
| 2026010278 | Qualifying All Borrower Residual Income | XXX | XXX | Audit averaging income for B1 - $XXX used vs lender $XXX |
| 2026010301 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010301 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010350 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor variance between original credit report and updated report. |
| 2026010350 | Qualifying All Borrower Residual Income | XXX | XXX | Loan file images support monthly residual income as $XXX. |
| 2026010364 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified assets from the most recent accounts listed on the F1003 with earnest money verified. |
| 2026010364 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2026010364 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from the origination credit report. |
| 2026010158 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit report |
| 2026010158 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit report |
| 2026010163 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010163 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender used a slightly higher amount for property taxes ($XXX) and audit used the XXX% formula to calculate property taxes as advised by feedback. |
| 2026010163 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010266 | Borrower 1 Origination Experian | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Borrower 1 Origination Equifax | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Borrower 2 Origination Experian | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Borrower 2 Origination TransUnion | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Borrower 2 Origination Equifax | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Borrower 1 Origination TransUnion | XXX | XXX | credit dated XXX XXX |
| 2026010266 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded down |
| 2026010286 | Qualifying Total Reserves Number of Months | XXX | XXX | Sale proceeds were paid to XXX, which has not been documented to be owned by the borrower. XXX. She signed the settlement statement as a member of XXX. |
| 2026010286 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010286 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010329 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used for reserves/assets |
| 2026010329 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010329 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010249 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010249 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010193 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender using a lower qualifying amount for XXXending in XXX |
| 2026010193 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2026010193 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt from the origination credit report. |
| 2026010205 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 2026010205 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010205 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010230 | Borrower 1 Origination Experian | XXX | XXX | per credit report dated XXX |
| 2026010230 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets docs in the file, and matches 1008 |
| 2026010230 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010230 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010173 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010173 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010173 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010173 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender did not use the most recent account statement. |
| 2026010173 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy between Audit income and Lender's calculation. |
| 2026010173 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. In addition, discrepancy between Audit income and Lender's calculation. |
| 2026010173 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. In addition, discrepancy between Audit income and Lender's calculation. |
| 2026010184 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender deducted $XXX from an account balance for the XXX, however, the funds had already cleared the account. |
| 2026010184 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an the incorrect amount of $XXX/mo for a deferred student loan payment, whereas the correct amount was $XXX |
| 2026010184 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an the incorrect amount of $XXX/mo for a deferred student loan payment, whereas the correct amount was $XXX |
| 2026010335 | Borrower 1 Origination Experian | XXX | XXX | Tape value not reflected. |
| 2026010335 | Borrower 2 Origination Equifax | XXX | XXX | Tape value not reflected. |
| 2026010335 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010335 | Borrower 2 Origination Experian | XXX | XXX | Tape value not reflected. |
| 2026010335 | Borrower 1 Origination Equifax | XXX | XXX | Tape value not reflected. |
| 2026010335 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used XXX% of the account balance for a non-XXXK ; GLs required XXX%. |
| 2026010335 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. In addition, Lender's amount included a proposed Note payment based on the incorrect final loan amount. |
| 2026010335 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. In addition, Lender's amount included a proposed Note payment based on the incorrect final loan amount. |
| 2026010195 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010195 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010219 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010448 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file minus cash to close |
| 2026010448 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using a different payment for the subject property |
| 2026010448 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using a different payment for the subject property |
| 2026010187 | Borrower 1 Origination Equifax | XXX | XXX | Credit report reflects a Equifax score of XXX. |
| 2026010187 | Borrower 1 Origination TransUnion | XXX | XXX | Credit report reflects a Trans Union Score of XXX |
| 2026010187 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets of $XXX less funds required to close of $XXX = $XXX is post closing reserves, divided by PITI +HOA = XXX months of reserves. |
| 2026010187 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to rounding down of cents. |
| 2026010225 | Qualifying Total Reserves Number of Months | XXX | XXX | Proceeds from sale are less than estimated |
| 2026010225 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2026010257 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves of $XXX less cash to close $XXX = $XXX/ PITI $XXX - XXX months of reserves. |
| 2026010257 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using documented PITIA on departing property in the amount of $XXX vs. lender $XXX. |
| 2026010257 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to excluding the cents. |
| 2026010221 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010221 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010227 | Initial Monthly P&I Or IO Payment | XXX | XXX | Payment based on XXX year |
| 2026010227 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2026010227 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using start rate at original amortization |
| 2026010227 | Qualifying Total Debt Income Ratio | XXX | XXX | Using start rate at original amortization. |
| 2026010227 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010299 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit report |
| 2026010299 | Qualifying All Borrower Residual Income | XXX | XXX | using brokers credit |
| 2026010216 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010216 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010212 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit used the most recent bank statement balances from the accounts listed on the Final 1003. |
| 2026010212 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using debt from the origination credit report. |
| 2026010212 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt from the origination credit report, |
| 2026010272 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2026010272 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010445 | Qualifying Total Reserves Number of Months | XXX | XXX | nominal variance |
| 2026010445 | Qualifying Housing Debt Income Ratio | XXX | XXX | total monthly obligations as shown on the 1008 cannot be confirmed by documentation in the file. |
| 2026010445 | Qualifying Total Debt Income Ratio | XXX | XXX | total monthly obligations as shown on the 1008 cannot be confirmed by documentation in the file. |
| 2026010445 | Qualifying All Borrower Residual Income | XXX | XXX | total monthly obligations as shown on the 1008 cannot be confirmed by documentation in the file. |
| 2026010198 | Initial Monthly P&I Or IO Payment | XXX | XXX | Payment based on XXX years |
| 2026010198 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010262 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit report |
| 2026010262 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit report |
| 2026010199 | Qualifying LTV | XXX | XXX | Rounding. LTV is XXX%. |
| 2026010199 | Qualifying CLTV | XXX | XXX | Rounding. CLTV is XXX%. |
| 2026010199 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010199 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010292 | Borrower 1 Origination Experian | XXX | XXX | Using scores from XXX credit update. |
| 2026010292 | Borrower 1 Origination Equifax | XXX | XXX | Using scores from XXX credit update. |
| 2026010292 | Borrower 1 Origination TransUnion | XXX | XXX | Using scores from XXX credit update. |
| 2026010292 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used for reserves |
| 2026010292 | Qualifying Total Debt Income Ratio | XXX | XXX | rental property income and expense not properly documented |
| 2026010292 | Qualifying All Borrower Residual Income | XXX | XXX | rental property income and expense not properly documented |
| 2026010443 | Application Date | XXX | XXX | Per the initial 1003 |
| 2026010443 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010443 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010203 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debts from the origination credit report. |
| 2026010203 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the cash-out amount at closing. |
| 2026010223 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the cash-out amount at disbursement. |
| 2026010223 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report/student loan balance x .XXX%. |
| 2026010223 | Qualifying All Borrower Residual Income | XXX | XXX | Income is reverified. Using debt from the origination credit report and .XXX% of the student loan balance to calculate the payment. |
| 2026010313 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010313 | Qualifying All Borrower Residual Income | XXX | XXX | using brokers credit |
| 2026010441 | Qualifying LTV | XXX | XXX | rounding |
| 2026010441 | Qualifying CLTV | XXX | XXX | rounding |
| 2026010441 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2026010188 | Property Zip Code | XXX | XXX | Per note and appraisal |
| 2026010188 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010188 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded differently |
| 2026010188 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010183 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent months statement balance @ ownership percentage. |
| 2026010183 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender improperly calculated XXX loss, HOA was added, in addition, monthly payments for revolving debt varied from original and gap credit report. |
| 2026010183 | Qualifying All Borrower Residual Income | XXX | XXX | Lender improperly calculated XXX loss, HOA was added, in addition, monthly payments for revolving debt varied from original and gap credit report. |
| 2026010444 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX was not sourced |
| 2026010444 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using a lower PITIA for XXX property |
| 2026010444 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a lower PITIA for XXX property |
| 2026010172 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010172 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010245 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010245 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010152 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010152 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010194 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010194 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010342 | Initial Monthly P&I Or IO Payment | XXX | XXX | True Data amount is the XXX payment; Tape is full principal + interest. |
| 2026010342 | Property Type | XXX | XXX |  |
| 2026010342 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender did not use most recent statement balance. |
| 2026010342 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010342 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010333 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX and XXX |
| 2026010333 | Qualifying FICO | XXX | XXX | Per credit report dated XXX and XXX |
| 2026010333 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX and XXX |
| 2026010333 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX and XXX |
| 2026010333 | Qualifying Total Reserves Number of Months | XXX | XXX | Gift funds not qualified for reserves |
| 2026010333 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010333 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010290 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file and matches XXX |
| 2026010290 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010290 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010202 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010248 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010248 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010328 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010328 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010328 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010231 | Qualifying FICO | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010231 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010231 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010231 | Qualifying Total Reserves Number of Months | XXX | XXX | verified balances at closing |
| 2026010231 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010231 | Qualifying Housing Debt Income Ratio | XXX | XXX | complete documentation of XXX carrying costs requested |
| 2026010231 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010236 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010236 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010190 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker report |
| 2026010190 | Qualifying All Borrower Residual Income | XXX | XXX | Calculated from verified monthly income and residual income requirement |
| 2026010115 | Borrower 1 Origination Experian | XXX | XXX | Per brokers credit report dated XXX |
| 2026010115 | Borrower 1 Origination Equifax | XXX | XXX | Per brokers credit report dated XXX |
| 2026010115 | Qualifying FICO | XXX | XXX | Per brokers credit report dated XXX |
| 2026010115 | Borrower 1 Origination TransUnion | XXX | XXX | Per brokers credit report dated XXX |
| 2026010115 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file which match the 1003 |
| 2026010115 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010115 | Qualifying Total Debt Income Ratio | XXX | XXX | Per brokers credit report dated XXX |
| 2026010115 | Qualifying All Borrower Residual Income | XXX | XXX | Same data |
| 2026010470 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010470 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2026010411 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file, less the $XXX loan |
| 2026010411 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010411 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010281 | Qualifying Total Debt Income Ratio | XXX | XXX | Documents in the file show a higher XXX total liability than what the lender has on the 1003 |
| 2026010281 | Qualifying All Borrower Residual Income | XXX | XXX | Documents in the file show a higher XXX total liability than what the lender has on the 1003 |
| 2026010462 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2026010197 | Cash Disbursement Date | XXX | XXX | CD shows disbursement date of XXX |
| 2026010197 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using higher qualifying income and lower PITIA for primary residence from 1003 to 1008 - need proof of PITIA for primary residence |
| 2026010197 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using higher qualifying income and lower PITIA for primary residence from 1003 to 1008 - need proof of PITIA for XXX and primary residence |
| 2026010197 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using higher qualifying income and lower PITIA for primary residence from 1003 to 1008 - need proof of PITIA for XXX and primary residence |
| 2026010165 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010165 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010174 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2026010452 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010452 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010340 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010340 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010182 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using lower PITIA for primary residence |
| 2026010182 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using lower PITIA for primary residence |
| 2026010182 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using lower PITIA for primary residence |
| 2026010150 | Property Type | XXX | XXX | Per appraisal. |
| 2026010150 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010150 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010139 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010139 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010082 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010082 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010082 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010148 | Qualifying Total Reserves Number of Months | XXX | XXX | lender included gift deposited to escrow in reserves total |
| 2026010148 | Qualifying Housing Debt Income Ratio | XXX | XXX | lender did not include flood coverage on 1008 |
| 2026010148 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010148 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010412 | Borrower 1 Origination Equifax | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Borrower 1 Origination Experian | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Borrower 1 Origination TransUnion | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Borrower 2 Origination TransUnion | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Borrower 2 Origination Experian | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Borrower 2 Origination Equifax | XXX | XXX | The original brokers credit report is not available. Credit scores are from the Merged report in the file. |
| 2026010412 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2026010412 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using a different credit report than the one available |
| 2026010412 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using a different credit report than the one available |
| 2026010160 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010160 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010160 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010160 | Qualifying LTV | XXX | XXX | Rounding difference |
| 2026010160 | Qualifying CLTV | XXX | XXX | Rounding difference |
| 2026010160 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010160 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per documents in the file and matches lenders 1008 |
| 2026010160 | Qualifying Total Debt Income Ratio | XXX | XXX | Per documents in the file and matches lenders 1008, less updated credit report figures. |
| 2026010160 | Qualifying All Borrower Residual Income | XXX | XXX | Per documents in the file and matches lenders 1008, less updated credit report figures. |
| 2026010166 | Initial Monthly P&I Or IO Payment | XXX | XXX | Guidelines state XXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010166 | Cash Disbursement Date | XXX | XXX | Per Final CD, Compliance issue regarding a post close CD |
| 2026010166 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010166 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010166 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010238 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the most recent account statement in file from the account listed on the final 1003. |
| 2026010238 | Qualifying Total Debt Income Ratio | XXX | XXX | Based on re-verified income and debt from the origination credit report. |
| 2026010238 | Qualifying All Borrower Residual Income | XXX | XXX | Based on the re-verified income and debt from the origination credit report. |
| 2026010189 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out plus checking account balance |
| 2026010189 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance and XXX.  |
| 2026010189 | Qualifying Housing Debt Income Ratio | XXX | XXX | Added in XXX amount. |
| 2026010189 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance and XXX.  |
| 2026010161 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2026010161 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2026010161 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2026010161 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010161 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010161 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010463 | Borrower 2 Origination TransUnion | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010463 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010463 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010463 | Borrower 2 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010463 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010463 | Borrower 2 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010463 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent balance of all assets listed on the F1003. |
| 2026010463 | Qualifying All Borrower Residual Income | XXX | XXX | Tape Data is rounded. |
| 2026010088 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include the property tax liability for the borrowers second home |
| 2026010088 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include the property tax liability for the borrowers second home |
| 2026010138 | Qualifying Total Reserves Number of Months | XXX | XXX | Tape data reflects reserves based on interest-only Note payment and not qualifying payment. |
| 2026010138 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010138 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010467 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded. |
| 2026010155 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010155 | Borrower 1 Origination Experian | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010155 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender XXX middle score of highest wage earner used to qualify |
| 2026010155 | Qualifying Total Reserves Number of Months | XXX | XXX | The most recent account statement balances from the accounts listed on the F1003, using XXX% of the stock value and the earnest money is verified. |
| 2026010155 | Qualifying Total Debt Income Ratio | XXX | XXX | Did not add in duplicate Uplift/Upgrade account |
| 2026010155 | Qualifying Housing Debt Income Ratio | XXX | XXX | True Data agrees with 1008 |
| 2026010155 | Qualifying All Borrower Residual Income | XXX | XXX | True Data agrees with 1008 |
| 2026010306 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the most recent bank balance from the account listed on the final 1003. |
| 2026010306 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010306 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010338 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010338 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010269 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010269 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010057 | Property Type | XXX | XXX |  |
| 2026010057 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2026010233 | Qualifying Total Reserves Number of Months | XXX | XXX | Reduced balance on XXX by percentage of ownership @ XXX%. Did not use assets from acct # XXX since ownership was not documented in the file. |
| 2026010233 | Qualifying All Borrower Residual Income | XXX | XXX | Borrower income is $XXX, less rent loss $XXX, consumer debt of $XXX and subject PITI of $XXX. There is a minor variance of XXX cents. Lender rounded income calculation up XXX cents. |
| 2026010052 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report, re-verified income and more conservative negative rent per F1003. |
| 2026010052 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from the origination credit report, re-verified income and more conservative negative rent per F1003. |
| 2026010402 | Borrower 1 Origination Experian | XXX | XXX | Per only credit report in the file dated XXX |
| 2026010402 | Borrower 1 Origination TransUnion | XXX | XXX | Per only credit report in the file dated XXX |
| 2026010402 | Borrower 1 Origination Equifax | XXX | XXX | Per only credit report in the file dated XXX |
| 2026010402 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010144 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2026010339 | Qualifying Total Reserves Number of Months | XXX | XXX | Borrowers business assets figured at XXX% |
| 2026010339 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010339 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010196 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is no self-employed. Receives XXX and XXX income |
| 2026010196 | Qualifying Total Debt Income Ratio | XXX | XXX | $XXX/$XXX= XXX% DTI |
| 2026010196 | Qualifying Housing Debt Income Ratio | XXX | XXX | $XXX/$XXX= XXX% DTI |
| 2026010196 | Qualifying All Borrower Residual Income | XXX | XXX | Cents added |
| 2026010458 | Qualifying FICO | XXX | XXX | Using primary wage earner lower of XXX scores. |
| 2026010458 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010053 | Borrower 1 Self-Employment Flag | XXX | XXX | not self employed |
| 2026010053 | Property Type | XXX | XXX | detached XXX |
| 2026010053 | Qualifying Total Reserves Number of Months | XXX | XXX | account balances at time of closing used for assets/reserves |
| 2026010053 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010053 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender has XXX values in file for bonus income. Used the more conservative of the XXX. |
| 2026010053 | Qualifying All Borrower Residual Income | XXX | XXX | Lender has XXX values in file for bonus income. Used the more conservative of the XXX. |
| 2026010200 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010128 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding up. |
| 2026010128 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding down. |
| 2026010356 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report in the file dated XXX |
| 2026010356 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report in the file dated XXX |
| 2026010356 | Borrower 1 Origination Experian | XXX | XXX | Per credit report in the file dated XXX |
| 2026010356 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010442 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is not employed |
| 2026010442 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010116 | Borrower 1 Origination TransUnion | XXX | XXX | Taken from credit report dated XXX |
| 2026010116 | Borrower 1 Origination Equifax | XXX | XXX | Taken from credit report dated XXX |
| 2026010116 | Borrower 1 Origination Experian | XXX | XXX | Taken from credit report dated XXX |
| 2026010116 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker report |
| 2026010116 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities from broker report |
| 2026010289 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing used. Only using XXX% of business funds since the file is missing the spouse's 1003, she signed the Note. |
| 2026010289 | Qualifying Housing Debt Income Ratio | XXX | XXX | taxes from title commitment do not agree exactly with what the lender used |
| 2026010289 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010289 | Underwriting Exception in File? | XXX | XXX | property acreage exceeds g/l, exception approved |
| 2026010289 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010210 | Borrower 1 Origination Equifax | XXX | XXX | Qualifying credit score is XXX per the credit report on page XXX |
| 2026010210 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounded. |
| 2026010210 | Qualifying All Borrower Residual Income | XXX | XXX | Tape data is rounded. |
| 2026010500 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2026010500 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010500 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per docs and matches 1008 |
| 2026010500 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010456 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010456 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender XXX. minor variance, no impact on qualification or guideline compliance |
| 2026010101 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounded figure |
| 2026010101 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010101 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010137 | Qualifying Total Reserves Number of Months | XXX | XXX | Although gift funds cannot be used for reserves, Lender did not include them in total assets. |
| 2026010137 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded down. |
| 2026010092 | Borrower 1 Origination TransUnion | XXX | XXX | Verified with credit report in file page XXX |
| 2026010092 | Borrower 1 Origination Experian | XXX | XXX | Verified with credit report in file page XXX |
| 2026010092 | Borrower 1 Origination Equifax | XXX | XXX | Verified with credit report in file page XXX |
| 2026010092 | Property Type | XXX | XXX |  |
| 2026010092 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounded |
| 2026010092 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded |
| 2026010092 | Qualifying All Borrower Residual Income | XXX | XXX | $XXX-$XXX=$XXX |
| 2026010171 | Borrower 1 Origination TransUnion | XXX | XXX | Using Mid range FICO for primary wage earner. |
| 2026010171 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender included the gift funds in with XXX statement at XXX XXX, however wire (gift) funds were wired after statement date directly from donors account. |
| 2026010171 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. 1008 reflects XXX% Lender rounded up, audit rounded down. |
| 2026010171 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used a higher payment for revolving debt acct, this was not supported in either gap or original credit report. |
| 2026010171 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used a higher payment for revolving debt acct, this was not supported in either gap or original credit report. |
| 2026010237 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010076 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010076 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010076 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010107 | Qualifying CLTV | XXX | XXX | Rounded up |
| 2026010107 | Qualifying LTV | XXX | XXX | Rounded up |
| 2026010107 | Qualifying Total Reserves Number of Months | XXX | XXX | Lenders total assets on 1008 are greater than assets from 1003 - assets match final 1003 |
| 2026010107 | Qualifying Total Debt Income Ratio | XXX | XXX | Qualifying income lower than lenders and using brokers credit |
| 2026010107 | Qualifying Housing Debt Income Ratio | XXX | XXX | Qualifying income lower than lenders and using brokers credit |
| 2026010107 | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying income lower than lenders and using brokers credit |
| 2026010438 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010438 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010304 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender failed to include City taxes in their qualifying proposed payment. |
| 2026010304 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender failed to include City taxes in their qualifying proposed payment. |
| 2026010304 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender failed to include City taxes in their qualifying proposed payment. In addition, Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010304 | Qualifying All Borrower Residual Income | XXX | XXX | Lender failed to include City taxes in their qualifying proposed payment. In addition, Discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010260 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010260 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010130 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker credit report |
| 2026010130 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities from broker credit report |
| 2026010170 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used a lower amount for account, audit pulled from most recent statement. |
| 2026010170 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used a higher amount for XXX revolving debt accts. |
| 2026010170 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender used a higher amount for XXX revolving debt accts. |
| 2026010170 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used a higher amount for XXX revolving debt accts. |
| 2026010176 | Initial Monthly P&I Or IO Payment | XXX | XXX | Calculated at XXX year term per guidelines |
| 2026010176 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower 1 is employed by XXX XXX XXX and XXX |
| 2026010176 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010176 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010176 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010176 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank balances from the accounts listed on the F1003. |
| 2026010176 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender calculated the asset depletion for each borrower. The income is in total for both borrowers. |
| 2026010176 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender calculated the asset depletion for each borrower. The income is in total for both borrowers. |
| 2026010176 | Qualifying All Borrower Residual Income | XXX | XXX | Lender calculated the asset depletion for each borrower. The income is in total for both borrowers. |
| 2026010073 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded figure |
| 2026010073 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010073 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010418 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010418 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010418 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010418 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010418 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010432 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in original liabilities from original report and gap report |
| 2026010432 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in original liabilities from original report and gap report |
| 2026010114 | Borrower 1 Self-Employment Flag | XXX | XXX | Removed employment because not using income |
| 2026010114 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010114 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010192 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file. Post close CD gives money back to borrower |
| 2026010192 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010112 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender did not discount value of retirement accounts per guidelines. |
| 2026010112 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used a lower amount for property tax calculation. |
| 2026010112 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender used a lower amount for property tax calculation. |
| 2026010112 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used a lower amount for property tax calculation. |
| 2026010168 | Qualifying Total Reserves Number of Months | XXX | XXX | Not using XXX in deposits not sourced transaction history does not match up with bank statement |
| 2026010168 | Qualifying Total Debt Income Ratio | XXX | XXX | using brokers credit |
| 2026010168 | Qualifying All Borrower Residual Income | XXX | XXX | using brokers credit |
| 2026010084 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010084 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010124 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010124 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010119 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not factor in the Investment property P&I. Figures match the 1008. |
| 2026010119 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not factor in the Investment property P&I. Figures match the 1008. |
| 2026010095 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets match the docs in the file |
| 2026010095 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010095 | Qualifying Housing Debt Income Ratio | XXX | XXX | Matches 1008 |
| 2026010095 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010118 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2026010118 | Qualifying Housing Debt Income Ratio | XXX | XXX | 1008 is missing the supplemental XXX fee |
| 2026010118 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010435 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010435 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010450 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file. HELOC is slightly less than 1003 estimate |
| 2026010450 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2026010450 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010043 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bk acct statement balances listed on the F1003. |
| 2026010043 | Qualifying Housing Debt Income Ratio | XXX | XXX | Variance is due to using $XXX for monthly HOA per contract/Appraisal vs. $XXX that the lender used. |
| 2026010043 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using $XXX for monthly HOA per contract/Appraisal vs. $XXX that the lender used. |
| 2026010043 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using $XXX for monthly HOA per contract/Appraisal vs. $XXX that the lender used. |
| 2026010437 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010437 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and XXX-Day credit reports. |
| 2026010307 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010307 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010159 | Qualifying CLTV | XXX | XXX | LTV and CLTV is verified by supporting documentation in the file. |
| 2026010159 | Qualifying LTV | XXX | XXX | LTV and CLTV is verified by supporting documentation in the file. |
| 2026010159 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves were verified supporting documentation and bank statements in the file. |
| 2026010159 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is supported by the credit documents in the file. |
| 2026010159 | Qualifying Housing Debt Income Ratio | XXX | XXX | Housing is verified by supporting documentation in the file. |
| 2026010159 | Qualifying All Borrower Residual Income | XXX | XXX | Bank statements and income documents support the income used. |
| 2026010134 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used XXX property taxes amount, whereas XXX amount was documented in the file. |
| 2026010134 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender used XXX property taxes amount, whereas XXX amount was documented in the file. |
| 2026010134 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used XXX property taxes amount, whereas XXX amount was documented in the file. In addition, discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010134 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used XXX property taxes amount, whereas XXX amount was documented in the file. In addition, discrepancy resulting from variance between consumer debt on Broker and XXX-Day credit reports. |
| 2026010058 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2026010058 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010058 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010090 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010090 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010085 | Initial Monthly P&I Or IO Payment | XXX | XXX | QM payment is XXX months |
| 2026010085 | Borrower 1 Self-Employment Flag | XXX | XXX | No employment noted |
| 2026010218 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report and there is a slight variance in the subject HOA payment. |
| 2026010218 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt from the origination credit report and there is a slight variance in the subject HOA payment. |
| 2026010069 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities from broker to gap credit report |
| 2026010069 | Underwriting Exception in File? | XXX | XXX |  |
| 2026010069 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities from broker to gap credit report |
| 2026010056 | Initial Monthly P&I Or IO Payment | XXX | XXX | Lender is using an updated credit report |
| 2026010056 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010056 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2026010056 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010056 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file which matches the 1008 |
| 2026010056 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounded data |
| 2026010056 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010074 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit and stated XXX Income. Requested PITA information for XXX. |
| 2026010074 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit and stated negative XXX income. Requested XXX PIITA documents. |
| 2026010038 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2026010038 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2026010038 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010175 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010175 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010140 | Qualifying FICO | XXX | XXX | Per credit report dated XXX |
| 2026010140 | Qualifying Total Reserves Number of Months | XXX | XXX | Guidelines require retirement funds to be used at a XXX% ratio |
| 2026010140 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010140 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010061 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010061 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010046 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded down. |
| 2026010050 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010050 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010068 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010068 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010135 | Qualifying Total Reserves Number of Months | XXX | XXX | The reserves have been verified with the bank statements. |
| 2026010135 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance in dti is due to the credit report tradelines used. |
| 2026010135 | Qualifying All Borrower Residual Income | XXX | XXX | Residual Income confirmed with the bank statements, deposits and additional documents. |
| 2026010027 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are verified with the most recent balance verified and earnest money is also verified. |
| 2026010027 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010353 | Borrower 1 Origination Experian | XXX | XXX | True Data is the credit score from the origination credit report. |
| 2026010353 | Borrower 1 Origination Equifax | XXX | XXX | True Data is the credit score from the origination credit report. |
| 2026010353 | Borrower 1 Origination TransUnion | XXX | XXX | True Data is the credit score from the origination credit report. |
| 2026010353 | Qualifying Total Reserves Number of Months | XXX | XXX | All assets match audit and lender figures. Pulled from Bank accts, totaling $XXX |
| 2026010353 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to lender using positive rental income source from lease. Per GL rental income source from lease from properties owned over XXX year can only wash the PITIA. |
| 2026010353 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance is due to lender using positive rental income source from lease. Per GL rental income source from lease from properties owned over XXX year can only wash the PITIA. |
| 2026010353 | Qualifying All Borrower Residual Income | XXX | XXX | Not using rental income which is sourced from Lease for property that is owned over XXX years. Using $XXX rental income. |
| 2026010117 | Qualifying Total Debt Income Ratio | XXX | XXX | The dti is supported by the income documentation and credit liabilities. Variance is due to the primary residence expense. Auditor used $XXX. |
| 2026010117 | Qualifying All Borrower Residual Income | XXX | XXX | The residual income was verified with the tax returns including XXX |
| 2026010049 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010049 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010110 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010110 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010071 | Borrower 1 Origination Equifax | XXX | XXX | Original credit |
| 2026010071 | Borrower 1 Origination Experian | XXX | XXX | Original credit |
| 2026010071 | Borrower 1 Origination TransUnion | XXX | XXX | Original credit |
| 2026010071 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent account balance from the acct listed on the Final 1003 with earnest money verified. |
| 2026010071 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance-PITIA for the primary is different,, taxes for the subject are higher. |
| 2026010071 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance-debt from origination credit report and PITIA for the primary is different and taxes from the subject are higher. |
| 2026010071 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt from the origination credit report plus PITIA for the primary is different and taxes for the subject being higher.. |
| 2026010105 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010105 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010123 | Qualifying Total Reserves Number of Months | XXX | XXX | Total reserves supported by bank statements in the file. |
| 2026010123 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income can be verified with the bank statements and deposits used to calculate the income. |
| 2026010078 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010078 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010109 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2026010109 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt from the origination credit report. Re-verified income. |
| 2026010102 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010102 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010020 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2026010020 | Qualifying Total Debt Income Ratio | XXX | XXX | Minor variance in XXX payment for subject. |
| 2026010020 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2026010020 | Qualifying All Borrower Residual Income | XXX | XXX | Minor variance in XXX payment for subject. |
| 2026010026 | Qualifying Total Reserves Number of Months | XXX | XXX | The assets are based on the bank statements and balances provided in the file. |
| 2026010026 | Qualifying Housing Debt Income Ratio | XXX | XXX | Primary housing expense difference is due to the hazard insurance amount used. |
| 2026010026 | Qualifying Total Debt Income Ratio | XXX | XXX | Total debt to income can be verified with the credit reports and income docuemntation. |
| 2026010026 | Qualifying All Borrower Residual Income | XXX | XXX | The income is supported by the bank statements and deposits provided. |
| 2026010099 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010099 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010142 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded. |
| 2026010059 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010044 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010044 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |
| 2026010021 | Qualifying Total Debt Income Ratio | XXX | XXX | Using updated credit report |
| 2026010021 | Qualifying All Borrower Residual Income | XXX | XXX | Using updated report |
| 2026010018 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010178 | Qualifying Total Reserves Number of Months | XXX | XXX | Using QM payment |
| 2026010178 | Qualifying Housing Debt Income Ratio | XXX | XXX | Guidelines state aXXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010178 | Qualifying Total Debt Income Ratio | XXX | XXX | Guidelines state aXXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010178 | Qualifying All Borrower Residual Income | XXX | XXX | Guidelines state aXXX YR term qualified at XXX YR AM full PITIA Payment |
| 2026010004 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets docs in the file |
| 2026010004 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010004 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per docs in the file and matches the 1008 |
| 2026010004 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010439 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010439 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010045 | Qualifying Total Reserves Number of Months | XXX | XXX | Removed large unsourced deposit from XXX |
| 2026010045 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using a higher qualifying income and 1008 doesn't match final 1003 with current primary residences |
| 2026010045 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender using a higher qualifying income and 1008 doesnt match final 1003 with current primary residences |
| 2026010045 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using a higher qualifying income and 1008 doesnt match final 1003 with current primary residences |
| 2026010040 | Qualifying FICO | XXX | XXX | brokers credit |
| 2026010040 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 2026010040 | Qualifying Total Debt Income Ratio | XXX | XXX | There is a slight variance in the XXX payment and using the debt from the origination credit report. |
| 2026010040 | Qualifying All Borrower Residual Income | XXX | XXX | There is a slight variance in the XXX payment and using the debt from the origination credit report. |
| 2026010034 | Qualifying Total Reserves Number of Months | XXX | XXX | Missing source of second CD listed on B2 1003 |
| 2026010034 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010034 | Qualifying All Borrower Residual Income | XXX | XXX | using brokers credit |
| 2026010009 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is not including new Auto payment in the liabilities |
| 2026010009 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is not including new Auto payment in the liabilities |
| 2026010014 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2026010014 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using the updated credit report |
| 2026010014 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using the updated credit report |
| 2026010063 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010063 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010005 | Mo. Tax | XXX | XXX |  |
| 2026010005 | Months Reserves | XXX | XXX |  |
| 2026010054 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets verified in file with the most recent bank statements and acct access letter. Earnest money is verified. |
| 2026010054 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded down. |
| 2026010136 | Qualifying Total Reserves Number of Months | XXX | XXX | Using assets from 1003 based on ownership percentage. Funds from sale of XXX property are not added onto the asset screen since title shows them as being received. |
| 2026010136 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from origination credit report. Primary XXX is higher than the lender's figures. |
| 2026010136 | Qualifying Housing Debt Income Ratio | XXX | XXX | XXX monthly premium was higher than the lender used. |
| 2026010136 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from origination credit report. Primary XXX is higher than the lender's figures. |
| 2026010060 | Qualifying Total Reserves Number of Months | XXX | XXX | Total reserves are verified by the bank statements in the file. |
| 2026010060 | Qualifying Housing Debt Income Ratio | XXX | XXX | Housing DTI is supported by the mortgage statement, credit report, taxes and insurance for the primary residence. |
| 2026010060 | Qualifying Total Debt Income Ratio | XXX | XXX | The variance in the dti is due the difference in the primary housing expense and the subject property's taxes and insurance. |
| 2026010060 | Qualifying All Borrower Residual Income | XXX | XXX | The residual income is verified by the income calculation and the pay statements and W2's in the file. |
| 2026010422 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010422 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010423 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010423 | Qualifying All Borrower Residual Income | XXX | XXX | Same data |
| 2026010421 | Qualifying Total Reserves Number of Months | XXX | XXX | Using cash out as reserves and using most recent VOD provided which is lower than assets lender used |
| 2026010421 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit is using the debt payments from the origination credit report. |
| 2026010421 | Qualifying All Borrower Residual Income | XXX | XXX | Audit is using the debt payments from the origination credit report. |
| 2026010426 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010428 | Borrower 1 Self-Employment Flag | XXX | XXX | B1 checked the self employed box on the 1003, but is not self employed. |
| 2026010428 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding difference |
| 2026010428 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2026010428 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2026010427 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2026010419 | Borrower 1 Origination Experian | XXX | XXX | Using origination credit report. |
| 2026010419 | Borrower 2 Origination Equifax | XXX | XXX | Using origination credit report. |
| 2026010419 | Borrower 1 Origination Equifax | XXX | XXX | Using origination credit report. |
| 2026010419 | Borrower 1 Origination TransUnion | XXX | XXX | Using origination credit report. |
| 2026010419 | Borrower 2 Origination Experian | XXX | XXX | Using origination credit report. |
| 2026010419 | Borrower 2 Origination TransUnion | XXX | XXX | Using origination credit report. |
| 2026010419 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2026010424 | Borrower 1 Last Name | XXX | XXX | Note and license. |
| 2026010424 | Qualifying Total Debt Income Ratio | XXX | XXX | Using brokers credit |
| 2026010424 | Qualifying All Borrower Residual Income | XXX | XXX | Using brokers credit |

---

## Exhibit 99.17

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.17**

![](ex9917001.jpg)

![i](ex9917002.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2026-1**

**January 14, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

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![](ex9917001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Angel Oak Mortgage Fund EU B LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of three (3) mortgage loans that were originally reviewed from November 2025 to December 2025.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 1<sup>1
</sup>Mortgage Loan

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review" 3 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 3 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 3 Mortgage Loans

**(3) Determination of the sample size and computation.** 

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For three (3) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Two (2) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9917001.jpg)

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for three (3) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 2 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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![](ex9917001.jpg)

**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for two (2) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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![](ex9917001.jpg)

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

**(6) Value of collateral securing the assets: review and methodology.** 

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for three (3) mortgage loans. For these three (3) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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![](ex9917001.jpg)

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.** 

Infinity completed a Compliance Review on one (1) mortgage loan. Two (2) exempt loans were not subject to a compliance review and did not receive a compliance grade.

Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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![](ex9917001.jpg)

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9917001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Infinity reviewed the relevant documents in the mortgage loan file and,
 as necessary, attempted to obtain the mortgage loan originator compensation agreement
 and/or governing policies and procedures of the mortgage loan originator. In the absence
 of the mortgage loan originator compensation agreement and/or governing policies and
 procedures, Infinity's review was limited to formal general statements of entity
 compliance provided by the mortgage loan originator, if any. These statements, for example,
 were in the form of a letter signed by the seller correspondent/mortgage loan originator
 or representations in the mortgage loan purchase agreement between the Client and seller
 correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9917001.jpg)

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

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**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to

the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

<u>Qualified Mortgage</u>

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

<u>General Ability to Repay</u>

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

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**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (3 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three (3) mortgage loans. Within those mortgage loans, Infinity graded three (3) mortgage loans as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (3 MORTGAGE LOANS)**

Of the three (3) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (3 MORTGAGE LOANS)**

\*Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$981500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$981500.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$981500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$981500.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$660000.00 | &nbsp;&nbsp;67.24% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$321500.00 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$981500.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$981500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$981500.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$660000.00 | &nbsp;&nbsp;67.24% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$321500.00 | &nbsp;&nbsp;32.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$981500.00** | &nbsp;&nbsp;**100.00%** |

---

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**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Access Non-QM Program |
| &nbsp;&nbsp;MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf |

---

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## Exhibit 99.18

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 2026010581 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX |  |  |

---

## Exhibit 99.19

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2026010581 |  |  | XXX A |

---

## Exhibit 99.20

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2026010581 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 11.55% | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | 11.55% | XXX | 0.1 | Other | Other | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible |  |  |

---

## Exhibit 99.21

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.21**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.22

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| XXX | 2026010504 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2026010503 | XXX | XXX | XXX | XXX | XXX A | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A | Not Applicable | Not Applicable A |

---

## Exhibit 99.23

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXX | 2026010504 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 XXX Appraisal |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2026010503 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1073 XXX |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.24

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXX | 2026010504 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | Not Applicable | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |
| XXX | 2026010503 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | Not Applicable | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |

---

## Exhibit 99.25

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |

---

## Exhibit 99.26

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |

---

## Exhibit 99.27

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.27**

**EXECUTIVE SUMMARY**

AOMT 2026-1

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loan(s) acquired by Angel Oak Mortgage Fund EU B LLC. The Review was conducted in October 2025 on mortgage loans originated in October 2025. The Review consisted of 100% of the population of 1 loan(s) with an original loan balance of $450,000.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of Rental income and /or market rents and validation of DSCR calculation

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, the review will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Reviewed
 applicable mortgage loans for compliance with the ATR and QM rule requirements based
 upon each mortgage loan's originator designation of QM, Non-QM, or exempt from
 ATR. (MaxDiligence determines the mortgage loan's status under the ATR or QM rule
 requirements and assigns a due diligence mortgage loan designation. Generally, the review
 notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, the notes if an originator mortgage loan designation
 was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The
 review utilized the following designations for applicable loans: QM designations: QM
 Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR
 Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, MaxDiligence
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, reviews the mortgage loan to determine whether,
 based on available information in the mortgage loan file, if the mortgage loan satisfied
 (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, reviewer then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable
 Presumption by comparing the mortgage loan's actual annual percentage rate, as
 recalculated, to the applicable average prime offer rate plus a certain applicable percentage.
 The Review also includes determining, as applicable, whether a mortgage loan is a qualified
 mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201
 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, MaxDiligence then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Perform
 reviews on the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third-party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report

![](ex9927001.jpg)

**Property Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in MaxDiligence's
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm to the extent possible that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence
 will review the appraisal for conformity to industry standards, including ensuring the
 appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

![](ex9927001.jpg)

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) 
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

![](ex9927001.jpg)

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **1** | **100.00%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **1** | **100.00%** |
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |

---

![](ex9927001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 1 mortgage loan reviewed, 0 unique mortgage loans (by loan count) had a total of 0 different tape discrepancies across data fields. A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |

---

![](ex9927001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.28

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2026010572 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from XXX and XXX.  |  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2026010572 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | Property | Value - Value is supported within - XXX% of original appraisal amount | The appraised value was supported within - XXX% and all applicable appraisal guidelines were satisfied.  |  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2026010572 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.29

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.29**

---

| | |
|:---|:---|
| Client | XXX |
| Transaction | XXX |
| Date | XXX |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2026010572 |  |  | XXX | XXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.30

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2026010572 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCaptial | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.32

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.32**

![](ex9932001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Angel Oak Mortgage Fund EU B LLC (the "Client"). The review was conducted between August 22 2025 and September 25 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 2 Non-QM loans and 1 ATR/QM exempt loans for a total of 3 loans the "Final Securitization Population".

*<u>Credit Reviews (3):</u>*

During the Review, Selene performed a credit review on 3 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (3)</u>*

During the Review, Selene performed a compliance review, when applicable on 3 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (3):</u>*

During the Review, Selene performed a property valuation review on 3 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (3):</u>*

During the Review, Selene performed a Data Integrity Review on 3 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 3 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency LLC ("Kroll") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **16**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

&nbsp;&nbsp;<br> **DATA INTEGRITY REVIEW**<br>

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 3 mortgage loans, (ii) a Compliance Review on 3 mortgage loans (iii) a Valuation Review on 3 mortgage loans, and (iv) a Data Integrity Review on 3 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 3 mortgage loans; 3 mortgage loans had a rating grade of A, 0 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** | &nbsp;&nbsp;***Grades per loan (3 overall loans):*** |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **16**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
 Due Diligence Narrative Report

2. ASF
 Report

3. Grading
 Summary

4. Exception
 Detail

5. Tape
 Discrepancies

6. Valuations
 Report

7. Supplemental
 Data

8. Third
 Party (TPR) Attestation Form

9. Attestation
 Form 15E

Page **6** of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers
 and confirm that the variations have been addressed in the loan file;

2. Reviewed for any social security number variations
 for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues
 based on the borrowers' address history and confirm that any issues have been addressed in the loan file;

4. Reviewed for any employment issues and confirm
 that any issues have been addressed in the loan file;

5. Reviewed for any additional consumers associated
 with the borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **10** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that
 contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **16**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered
 Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration <br> Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License <br> Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX
 Home Loan and High Cost Home Loan Act

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI
 Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

## Exhibit 99.33

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset XXX Expired | Resolved-Asset XXX Not Expired Or Not Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Investment Statement XXX - Seller-XXX<br> Counter-most recent XXX statement prior to closing required. XXX statement is outdated - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Investment Statement Etrade XXX - Seller-XXX<br> Open-XXX statement from XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Investment Statement Etrade - Seller-XXX<br> Ready for Review-Document Uploaded. Investment Statement Etrade XXX - Seller-XXX | Resolved-Asset XXX Not Expired Or Not Applicable - Due Diligence Vendor-XXX | XXX.pdf<br> XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report Provided. Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud - Seller-XXX<br> Open-Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Fraud - Seller-XXX | Resolved-Updated Fraud Report Provided. Resolved - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Deficient non-subject rental income documentation. | Resolved-1007 Rent schedule provided. Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1007 - Seller-XXX<br> Open-1003 considered XXX property 'XXX" rent income of $XXX but there is no lease agreement or 1007. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1007 - Seller-XXX | Resolved-1007 Rent schedule provided. Resolved - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 1040 Schedule E Missing | Resolved-Borrower 1 1040 Schedule E Provided. Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Returns - Seller-XXX<br> Open-Borrower 1 1040 Schedule E Missing 1003 and worksheet page XXX-XXX, considered the XXX loss for the property "XXX" and Sub property "XXX" from Schedule E, which is missing in the file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX Returns - Seller-XXX | Resolved-Borrower 1 1040 Schedule E Provided. Resolved - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Borrower 1 Business Tax Returns Provided. Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business returns - Seller-XXX<br> Open-Borrower 1 Business Tax Returns Missing As per XXX code XXX, Required most recent business tax return with all schedules but file has only single page of XXX (Page XXX). - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Business returns - Seller-XXX | Resolved-Borrower 1 Business Tax Returns Provided. Resolved - Due Diligence Vendor-XXX | XXX.pdf<br> XXX.pdf<br> XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010558 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower 1 Personal Tax Returns Provided. Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX returns - Seller-XXX<br> Open-Borrower 1 Personal Tax Returns Missing As per XXX code XXX, Required most recent Personal tax return with all schedules but file has only single page of XXX (Page XXX). - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX returns - Seller-XXX | Resolved-Borrower 1 Personal Tax Returns Provided. Resolved - Due Diligence Vendor-XXX | XXX.pdf<br> XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010550 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved- - Due Diligence Vendor-XXX<br> Open-Missing Third Party Fraud Report Updated Fraud Report provided. Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXX<br> Open-Missing Third Party Fraud Report Fraud Report reflects open high alerts. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXX |  | XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010550 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Quit Claim Deed provided. Resolved. - Due Diligence Vendor-XXX<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Quit Claim Deed - Seller-XXX<br> Open-Preliminary Title vesting reflects XXX and XXX, also appearing of record as XXX and XXX, a married <br> couple. Vested non-borrower signed Deed of Trust but Deed of Trust reflects XXX, A MARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY. Quit Claim deed missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Quit Claim Deed - Seller-XXX | Resolved-Quit Claim Deed provided. Resolved. - Due Diligence Vendor-XXX<br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2026010519 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXX<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXX<br> Open-Fraud Report Shows Uncleared Alerts As per Guideline version XXX page XXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXX | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXX<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXX | XXX.pdf |  |  | XXX | XXX | XXX | NA | XXX | N/A | N/A |

---

## Exhibit 99.34

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.34**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2026010558 |  |  | XXX D A |
| 2026010550 |  |  | XXX D A |
| 2026010519 |  |  | XXX C A |

---

## Exhibit 99.35

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2026010558 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0580 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX Eligible |  |  |
| 2026010550 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2026010519 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.36

[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2026010558 |  |  | XXX | Note Date | notePage | XXX | XXX | Tape considered the disbursement date as note date. |
| 2026010550 |  |  | XXX | Note Date | notePage | XXX | XXX | True data is correct, verified from Note doc. Tape data shows disbursement date. |
| 2026010550 |  |  | XXX | Verified Doc Type | employmentIncomePage | XXX | XXX | True data is correct, XXX months bank statements are used for income calculation and hence doc type updated the same. |
| 2026010519 |  |  | XXX | Note Date | notePage | XXX | XXX | Tape considered the disbursement date as note date. |
| 2026010519 |  |  | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | XXX waiver file. |
| 2026010519 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | All other monthly payments not matching among credit report and 1008. |

---