.2 Schedule 4
| ASF Loan Number | 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 |
| 214329393 | XX | XX | XX | Colorado | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.240% Allowed 8.130% Overby +0.110% This loan is compliant with regulation 1026.35. *** (CURED) Missing Required Disclosures - EV C COMMENT: Appraisal reflects property in flood zone area (Zone AE) which does not matches with flood zone of x500 on flood cert. The flood cert does note a LOMC from 12/XX/2021, however, the flood map in the file dated 12/3/2024 indicates the property is located in zone AE. Require flood insurance which is not present in the file. Not Resolved 3/XX/2025. Received an updated appraisal indicating property is not in a flood zone but also received an updated flood certification indicating it is in a flood zone. Not Resolved 05/XX/2025: Received updated flood certification indicating it is in a flood zone, require updated appraisal indicating the property in food zone. Cured 05/XX/2025: Received evidence of the flood insurance post-closing. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide bank statements of the xx business account in the amount of $25,000.00 & xx in the amount of $11,000.00, as it is missing in the file. Transaction is a purchase residence. Reserves required per guidelines is $11,660.57. Total reserves verified the amount of $894.66. Provide satisfactory evidence of reserves covering $11,660.57. 03/XX/2025: Resolved: Received email explanation and bank statement in file, resolves the condition. |
PUD | 12/XX/2024 | 90.000% | 90.000% | Primary | Purchase | 720 | Owner and Director of operations | 9 | $21,462.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.305% | No | Alternative | QC Complete | 05/01/2025 | |||||||
| 214464562 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 745 | Owner | 5.33 | $14,138.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.647% | Yes | Alternative | QC Complete | 06/19/2025 | ||||||||
| 214561334 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 05/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 704 | 20 | 50% Partner and 100%Partner | 11.5 | $10,259.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$500,615.21 | 49.747% | Alternative | QC Complete | 09/16/2025 | |||||||
| 214649188 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 33.846% | 33.846% | Primary | Purchase | 740 | Owner | 2.5 | $6,426.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.804% | No | Alternative | QC Complete | 06/13/2025 | ||||||||
| 214650988 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Mortgage Riders incomplete / inaccurate - EV R COMMENT: Missing PUD Rider. Resolved 06/XX/2025 - Received PUD Rider, condition resolved. |
PUD | 03/XX/2025 | 76.531% | 76.531% | Primary | Refinance | 710 | 4 | Chief Revenue Officer | 3.92 | $39,569.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.210% | Full Documentation | QC Complete | 05/01/2025 | |||||||
| 214671398 | XX | XX | XX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Required FICO for r/t refinance on investment is 720 borrower has 701. A copy of an exception approval letter is available in the loan file. |
DTI: 25.52% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $31,928.68 monthly. |
PUD | 05/XX/2025 | 80.000% | 80.000% | Investor | Refinance | 701 | Owner | 11.33 | $42,869.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.521% | Alternative | QC Complete | 06/19/2025 | |||||||
| 214673881 | XX | XX | XX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Most recent 12 months bank statements show 7 NSF, which exceeds maximum of 6. A copy of an exception approval letter is available in the loan file. |
FICO: 712 FICO exceeds the guideline requirement of 660. Residual Income : $304,922.74 monthly. DTI: 6.32% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 05/XX/2025 | 70.000% | 70.000% | Investor | Refinance | 712 | Owner | 5.58 | $325,511.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.325% | Alternative | QC Complete | 06/19/2025 | |||||||
| 214761124 | XX | XX | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 04/XX/2025 | 14.250% | 14.250% | Investor | Refinance | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 09/15/2025 | |||||||||||||
| 214796070 | XX | XX | XX | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The amount of title insurance of XX on the Title Commitment is less than the loan amount $XX. Resolved 07/XX/2025 - Received title endorsement for $xx, condition resolved. |
Single Family | 06/XX/2025 | 74.334% | 74.334% | Primary | Purchase | 796 | owner | 13.5 | $11,063.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.929% | No | Alternative | QC Complete | 07/08/2025 | |||||||
| 214801854 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Reverification within 10 days is missing - EV R COMMENT: Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing. Available verbal VOE not within 10 business days of closing. Resolved on 06/XX/2025 : Received Verification of employment document , condition resolved. |
3 Family | 04/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 773 | Sales | 14.08 | $19,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$82,305.72 | 43.708% | Full Documentation | QC Complete | 05/23/2025 | |||||||
| 214818163 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 768 | Owner | 2.83 | $27,967.81 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
19.123% | Yes | Alternative | QC Complete | 06/19/2025 | ||||||||
| 214836678 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 04/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 681 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/15/2025 | ||||||||||||
| 214836843 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX, provide a copy of replacement cost estimator is being covered by the dwelling. Resolved 06/XX/2025 - Received RCE document covered with 100% replacement cost on dwelling, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide Guaranty agreement, as it is missing. 06/XX/2025 Resolved: Resolved as a guaranty is not required when the borrower signed the promissory note as an individual. |
Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 792 | Vice President Leveraged Finance Sales | 6.83 | $62,666.85 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.054% | No | Full Documentation | QC Complete | 06/09/2025 | |||||||
| 214854127 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of condo questionnaire, as it is missing. Resolved 07/XX/2025 - Received condo questionnaire, condition resolved. |
Low Rise Condo (1-4 Stories) | 04/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 763 | Sargeant | 12.66 | $8,199.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.712% | No | Full Documentation | QC Complete | 06/24/2025 | |||||||
| 214857039 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing real estate appraisers error and omissions insurance policy. Resolved: Condition has been resolved as E&O policy is not required. |
PUD | 05/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 720 | Founder/CEO and Co-Founder | 7 | $173,817.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.941% | No | Alternative | QC Complete | 06/13/2025 | |||||||
| 215017468 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a proof of document for Primary residence address XX Resolved 06/XX/2025 - Received document proofs for primary residence property, condition resolved. |
Single Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 775 | Sr Director-Americas Engineering | 35.08 | $23,337.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.298% | No | Full Documentation | QC Complete | 06/09/2025 | |||||||
| 215028101 | XX | XX | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: Rate term refinance loan does not meet the guidelines for Payoff of draws taken in the past 12 months on a HELOC are counted in the cash in the maximum cash in hand amount. Resolved 06/XX/2025 - Received documentation proofs for the rate and term refinance loan payoff in 12 months, condition resolved. |
PUD | 05/XX/2025 | 70.000% | 70.000% | Primary | Refinance | 787 | 2.08 | SVP | 1.25 | $16,308.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.209% | Full Documentation | QC Complete | 06/24/2025 | |||||||
| 215049966 | XX | XX | XX | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: A CPA-prepared letter is required to verify the borrower's percentage of ownership in the business entity and expense ratio. Resolved 06/XX/2025 - Received CPA letter, condition resolved. |
PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 774 | Owner | 3 | $37,940.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.864% | No | Alternative | QC Complete | 06/12/2025 | |||||||
| 215070855 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 64.706% | 64.706% | Primary | Purchase | 778 | President (1120S 80%) | 3 | $221,233.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.070% | No | Alternative | QC Complete | 06/19/2025 | ||||||||
| 215071028 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 731 | 8.25 | CEO | 15.33 | $84,211.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$153,538.73 | 12.729% | Alternative | QC Complete | 06/19/2025 | |||||||
| 215072893 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets Verification - EV R COMMENT: Missing bank statements for the stated asset on application of borrower (XX $232,325.36 &XX $96,172.58). 06/XX/2025 Resolved: The condition has been resolved as the reserve requirement has been fulfilled and the statements are not required. |
Mid Rise Condo (5-8 Stories) | 05/XX/2025 | 62.025% | 62.025% | Investor | Purchase | 727 | President | 16.33 | $67,335.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.526% | No | Full Documentation | QC Complete | 06/05/2025 | |||||||
| 215073941 | XX | XX | XX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.962% Allowed 9.160% Overby +0.802% This loan is compliant with regulation 1026.35. *** (CURED) VOM or VOR missing/required - EV R COMMENT: Provide a copy of the rent verification for XX, as it is missing. 06/XX/2025 Resolved : The copy of credit supplemental resolves the condition. |
Single Family | 05/XX/2025 | 89.990% | 89.990% | Primary | Purchase | 747 | Youtuber | 5.33 | $49,788.93 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.257% | Yes | Alternative | QC Complete | 06/09/2025 | |||||||
| 215075060 | XX | XX | XX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 763 | Teacher | 12.75 | $7,744.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.034% | No | Full Documentation | QC Complete | 06/19/2025 | ||||||||
| 215077744 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of appraisal E&O policy as it is missing. Resolved : Resolved as appraisal E&O is not required. |
Single Family | 05/XX/2025 | 48.000% | 48.000% | Investor | Refinance | 784 | Sr Prin Eng-Software En | 42.92 | $14,641.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.697% | Full Documentation | QC Complete | 06/20/2025 | ||||||||
| 215077900 | XX | XX | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 787 | Director Sales | 0.42 | $18,750.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.445% | No | Full Documentation | QC Complete | 07/08/2025 | ||||||||
| 215083908 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049% This loan is compliant with regulation 1026.35. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.289% Allowed 8.240% Overby +1.049% This loan is compliant with regulation (MA 209 CMR 32.35) *** (CURED) Reverification within 10 days is missing - EV R COMMENT: Provide a copy of verification of employment for borrower xx as it is missing. Resolved 07/XX/2025 - Received VVOE, condition resolved. |
Low Rise Condo (1-4 Stories) | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 758 | Field Engineer | 3.66 | $8,083.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.009% | Yes | Full Documentation | QC Complete | 06/09/2025 | |||||||
| 215084849 | XX | XX | XX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 800 | Owner | 8.66 | $21,001.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
18.740% | Yes | Alternative | QC Complete | 06/20/2025 | ||||||||
| 215086786 | XX | XX | XX | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 791 | Store Manager | 16.66 | $22,326.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.264% | No | Full Documentation | QC Complete | 06/13/2025 | ||||||||
| 215089921 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/12/2025 | ||||||||||||
| 215091299 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 761 | Owner | 5.42 | $18,041.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.237% | No | Alternative | QC Complete | 06/13/2025 | ||||||||
| 215101312 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 59.840% | 59.840% | Primary | Cash Out | 803 | 27 | EVP Chief Canine Officer | 13.33 | $66,883.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
$514,063.58 | 5.303% | Alternative | QC Complete | 07/08/2025 | |||||||
| 215102724 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 70.000% | 70.000% | Investor | Purchase | 677 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/19/2025 | ||||||||||||
| 215105586 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 52.941% | 52.941% | Investor | Purchase | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/13/2025 | ||||||||||||
| 215108580 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 748 | Owner | 15.83 | $47,565.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.807% | No | Alternative | QC Complete | 07/22/2025 | ||||||||
| 215111634 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 766 | Owner | 10.08 | $49,729.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.575% | No | Alternative | QC Complete | 06/19/2025 | ||||||||
| 215116971 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Reverification within 10 days is missing - EV R COMMENT: Provide a copy of Verification of Employment(VVOE) with 30 days of closing date. 07/XX/2025 Resolved: Resolved as re-verification is for a W2 job and not self-employed individuals. |
PUD | 05/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 723 | Property Manager | 15 | $13,943.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.009% | No | Alternative | QC Complete | 09/15/2025 | |||||||
| 215120288 | XX | XX | XX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of proof document of Mortgage statement, taxes and insurance for address XX Resolved 06/XX/2025 - Received mortgage statement, condition resolved. |
2 Family | 05/XX/2025 | 73.295% | 73.295% | Investor | Cash Out | 732 | Owner | 2.16 | $11,419.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$152,240.02 | 29.386% | Full Documentation | QC Complete | 06/12/2025 | |||||||
| 215124165 | XX | XX | XX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.603% Allowed 8.430% Overby +0.173%. This loan is compliant with regulation 1026.35 *** (CURED) Required Documentation Missing - EV R COMMENT: Verbal verification of employment is missing from the loan Package for employment @ xx Resolved 07/XX/2025 - the copy of VVOE available in the loan file resolves the condition. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 701 | 24 | Title Physician | 15.66 | $21,100.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$63,567.38 | 34.669% | Alternative | QC Complete | 07/08/2025 | ||||||
| 215124785 | XX | XX | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Letter of explanation for addresses reported in the credit report - EV R COMMENT: LOE required for address reflected on credit report - clarify borrower’s association with property. XX Resolved 08/XX/2025 - Received client response as the borrower has been at current address for 24 years and no LOX required, condition resolved. |
High Rise Condo (>=9 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 796 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.085% | No | Full Documentation | QC Complete | 09/15/2025 | ||||||||||
| 215134487 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 801 | Vice President - Tax Operations | 19.25 | $51,485.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.461% | No | Full Documentation | QC Complete | 07/18/2025 | ||||||||
| 215145376 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
$89,554.24 | Alternative | QC Complete | 08/01/2025 | ||||||||||||
| 215146788 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 775 | Owner | 5.92 | $44,156.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.984% | No | Alternative | QC Complete | 06/19/2025 | ||||||||
| 215148974 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 682 | 3.75 | Worship Pastor | 8.25 | $7,803.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type: |
$108,849.98 | 44.685% | Full Documentation | QC Complete | 07/07/2025 | |||||||
| 215149022 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The proposed insured amount is not reflected on the title report. Provide a title supplement or updated title report indicating the correct insured amount to satisfy title insurance requirements. Resolved 07/7/2025 - Received final title policy, condition resolved. |
Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 750 | Supvy imigartion SVCS off | 22.16 | $17,031.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.176% | No | Full Documentation | QC Complete | 06/20/2025 | |||||||
| 215149238 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 57.851% | 57.851% | Primary | Cash Out | 692 | 8.5 | Owner | 11.33 | $47,172.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$60,384.43 | 10.974% | Alternative | QC Complete | 06/20/2025 | |||||||
| 215150491 | XX | XX | XX | New Jersey | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: FTHB - **Borrower does not meet the guidelines for First Time Home buyer** Rule/Guidelines require the Borrower to have had a 12 month consistent housing payment history within the past 3 years. A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 700. Residual Income : $5,748.63 monthly DTI: 34.30% DTI is less than the maximum guideline requirement of 50.00%. |
Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 791 | Regional Training Manager | 1.75 | $8,750.00 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
34.301% | Yes | Full Documentation | QC Complete | 07/03/2025 | ||||||
| 215177502 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. Resolved 07/XX/2025 - Received final title policy, condition resolved. |
2 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 | Owner | 2.67 | $69,588.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.936% | No | Alternative | QC Complete | 07/07/2025 | |||||||
| 215177908 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 765 | CEO | 12.08 | $109,394.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.790% | No | Full Documentation | QC Complete | 07/07/2025 | ||||||||
| 215180902 | XX | XX | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing Appraiser'S Errors And Omissions Policy Resolved : Condition has been resolved as the E&O policy is not required. |
Single Family | 05/XX/2025 | 73.536% | 73.536% | Primary | Refinance | 760 | 0.25 | Owner/Retail | 5.33 | $128,175.20 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.633% | Alternative | QC Complete | 06/13/2025 | |||||||
| 215186099 | XX | XX | XX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 74.146% | 74.146% | Investor | Cash Out | 743 | Owner/Construction | 17.41 | $1,776,836.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$294,612.37 | 1.597% | Alternative | QC Complete | 07/22/2025 | ||||||||
| 215189242 | XX | XX | XX | North Dakota | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide the settlement statement for the property located at XX as proof of sale. Resolved 08/XX/2025 - Received proof for the sold properties, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: More than $500,000 cash-out between two files in process. Other loan is #XX. A copy of an exception approval letter is available in the loan file. |
FICO: 743 FICO exceeds the guideline requirement of 720. DTI: 1.62% DTI is less than the maximum guideline requirement of 50.00%. Residual Income: $1,748,010.08 monthly. |
Single Family | 06/XX/2025 | 72.028% | 72.028% | Investor | Cash Out | 743 | Owner/ Construction | 17.41 | $1,776,836.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$263,428.20 | 1.622% | Alternative | QC Complete | 09/15/2025 | |||||
| 215193459 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 76.923% | 76.923% | Primary | Purchase | 786 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
Yes | Full Documentation | QC Complete | 07/18/2025 | |||||||||||
| 215196668 | XX | XX | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 675 | 4 | Manager | 0.83 | $11,599.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$95,000.81 | 44.656% | Full Documentation | QC Complete | 07/22/2025 | |||||||
| 215204348 | XX | XX | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 738 | Self Employed | 3.05 | $44,576.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.056% | No | Full Documentation | QC Complete | 07/07/2025 | ||||||||
| 215206103 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 806 | Owner | 15.16 | $23,183.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.839% | No | Full Documentation | QC Complete | 07/08/2025 | ||||||||
| 215206269 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 801 | Owner | 8.5 | $64,868.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$138,322.79 | 19.924% | Alternative | QC Complete | 06/20/2025 | ||||||||
| 215207739 | XX | XX | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 | Owner | 22.08 | $54,738.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.432% | No | Alternative | QC Complete | 07/21/2025 | ||||||||
| 215224593 | XX | XX | XX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.668% Allowed 8.420% Overby +0.248%. This loan is compliant with regulation 1026.35. |
PUD | 06/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 675 | 5 | Owner Operator | 10.25 | $15,860.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$181,879.13 | 30.996% | Alternative | QC Complete | 07/08/2025 | ||||||
| 215226499 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 798 | Owner | 10.08 | $13,776.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.950% | No | Alternative | QC Complete | 06/20/2025 | ||||||||
| 215238304 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 66.297% | 66.297% | Primary | Purchase | 817 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Full Documentation | QC Complete | 07/07/2025 | ||||||||||||
| 215249582 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide business bank statements of XX for the month ending 11/XX/2024 as it is missing. Resolved 07/XX/2025 - Received bank statement for Nov - month, condition resolved. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 801 | Medical Biller | 10.25 | $15,555.89 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.369% | No | Alternative | QC Complete | 07/07/2025 | |||||||
| 215260431 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 797 | Partner | 5.83 | $22,946.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.479% | No | Full Documentation | QC Complete | 07/21/2025 | ||||||||
| 215267840 | XX | XX | XX | South Dakota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 68.966% | 68.966% | Investor | Purchase | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
No | Alternative | QC Complete | 07/21/2025 | ||||||||||||
| 215268269 | XX | XX | XX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 807 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2025 | ||||||||||||
| 215333857 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. Resolved 08/XX/2025 - Received title final policy, condition resolved. |
PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 789 | President | 17.33 | $34,564.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.816% | No | Full Documentation | QC Complete | 08/04/2025 | |||||||
| 215338476 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 35.045% | 35.045% | Primary | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/22/2025 | ||||||||||||
| 215340621 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 07/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 757 | CHILD SUPPORT QUALITY AND | 10 | $4,790.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.039% | No | Full Documentation | QC Complete | 08/01/2025 | ||||||||
| 215362807 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 14.737% | 14.737% | Primary | Cash Out | 754 | 2 | PRESIDENT | 3.5 | $148,768.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
$685,059.71 | 4.148% | Alternative | QC Complete | 08/04/2025 | |||||||
| 215395310 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 774 | Owner | 7.66 | $22,601.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.256% | No | Alternative | QC Complete | 08/01/2025 | ||||||||
| 9704590547 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/29/2025 | ||||||||||||
| 9704920553 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 687 | Owner | 25.67 | $1,006,341.37 | Mos Reviewed:17 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.748% | No | Alternative | QC Complete | 06/18/2025 | ||||||||
| 9705518851 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 790 | Construction Manager | 1 | $7,260.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.101% | No | Alternative | QC Complete | 07/01/2025 | ||||||||
| 9706628261 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 773 | CEO | 8.41 | $54,164.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
10.493% | No | Alternative | QC Complete | 07/08/2025 | ||||||||
| 9707697422 | XX | XX | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 755 | Mos Reviewed:93 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/12/2025 | ||||||||||||
| 9709409222 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 54.085% | 54.085% | Investor | Purchase | 795 | Owner | 5.83 | $36,301.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.354% | No | Alternative | QC Complete | 09/15/2025 | ||||||||
| 9709778097 | XX | XX | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Closing Protection Letter Missing - EV R COMMENT: Missing ATIMA from lender loss payee info on CPL. Resolved 06/XX/2025 - Received CPL, condition resolved. |
Low Rise Condo (1-4 Stories) | 05/XX/2025 | 38.333% | 38.333% | Primary | Purchase | 775 | Director | 9.17 | $12,083.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.929% | No | Full Documentation | QC Complete | 06/24/2025 | |||||||
| 9710429532 | XX | XX | XX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/18/2025 | ||||||||||||
| 9711251331 | XX | XX | XX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 666 | Principle Law LLC | 13.75 | $19,404.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.955% | No | Alternative | QC Complete | 07/15/2025 | ||||||||
| 9711253097 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 07/XX/2025 - Received title supplement report, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Loan amount of $xx does not meet the guideline requirement of maximum loan amount of $2M with credit score of 720. A copy of an exception approval letter is available in the loan file. |
LTV: 52.38% LTV is less than the guideline requirement of 80.00%. DTI: 30.76% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 06/XX/2025 | 52.381% | 52.381% | Primary | Cash Out | 720 | 1.75 | CEO | 10.08 | $117,586.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$472,932.01 | 30.761% | Alternative | QC Complete | 07/02/2025 | ||||
| 9712202002 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide a copy of Title supplement as it is missing in the file. Resolved 06/XX/2025 - Received title report with insured amount $XX, condition resolved. *** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: The loan file identifies the subject property as an investment refinance, but the appraisal report lists the occupancy status as 'Owner-Occupied.' Please provide an updated appraisal report with the correct occupancy status. Resolved 07/XX/2025 - Received Updated appraisal report, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide real estate appraisers error and omissions insurance policy, as it is missing. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Guides do not allow cashout with current VISA type C10 for investment property A copy of an exception approval letter is available in the loan file. |
FICO: 786 FICO exceeds the guideline requirement of 720. DTI: 32.78% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | 05/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 786 | Managing Member | 3.25 | $26,351.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$108,903.14 | 32.788% | Alternative | QC Complete | 09/15/2025 | |||||
| 9712471284 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2025 | 80.000% | 80.000% | Secondary | Cash Out | 755 | Owner | 8.25 | $143,191.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$423,510.35 | 4.785% | Alternative | QC Complete | 08/12/2025 | ||||||||
| 9713718683 | XX | XX | XX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.366% Allowed 8.430% Overby +0.936% This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 782 | Sales | 2.75 | $6,120.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.317% | No | Alternative | QC Complete | 06/17/2025 | |||||||
| 9713965565 | XX | XX | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/15/2025 | ||||||||||||
| 9714039550 | XX | XX | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.524% Allowed 8.250% Overby +1.274%. This loan is compliant with regulation 1026.35. |
PUD | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 734 | Owner | 2.08 | $12,901.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
39.737% | Yes | Alternative | QC Complete | 08/13/2025 | |||||||
| 9714242493 | XX | XX | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary valuation, as it is missing. Resolved 06/XX/2025 - Received CDA, condition resolved. *** (CURED) Missing Required Disclosures - EV R COMMENT: Missing real estate appraisers error and omissions insurance policy. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
PUD | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 776 | Owner | 3.58 | $74,080.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.322% | No | Alternative | QC Complete | 06/13/2025 | |||||||
| 9714915973 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 710 | Truck Driver | 3 | $13,551.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.618% | Yes | Alternative | QC Complete | 07/07/2025 | ||||||||
| 9715862711 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Settlement Service Provider List is Missing. Resolved 06/XX/2025: Received Settlement Service Provider List dated 4/XX/2025 and exception is cleared. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing real estate appraisers error and omissions insurance policy. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Exception that permits business funds to be spent 100% of time rather than 75% of the owners A copy of an exception approval letter is available in the loan file. |
Reserves: The 13 months of available reserves are more than the guideline requirement of 6 months. FICO: 728 FICO exceeds the guideline requirement of 720. DTI: 22.01% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 728 | AMBR | 8.91 | $81,623.00 | Mos Reviewed:13 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.014% | No | Alternative | QC Complete | 06/13/2025 | |||||
| 9716665584 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: The borrower is a first-time home buyer who has been rent-free for the previous eight years, so an exception is required. A copy of an exception approval letter is available in the loan file. |
FICO: 755 FICO exceeds the guideline requirement of 700. Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months. Residual Income: $8,331.13 monthly. |
Low Rise Condo (1-4 Stories) | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 755 | Attorney | 0.91 | $16,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.732% | Yes | Full Documentation | QC Complete | 09/15/2025 | ||||||
| 9717164330 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |
Low Rise Condo (1-4 Stories) | 05/XX/2025 | 79.911% | 79.911% | Investor | Refinance | 797 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/11/2025 | ||||||||||||
| 9717707062 | XX | XX | XX | Kentucky | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.647% Allowed 8.290% Overby +0.357% This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 693 | Owner | 2.41 | $10,144.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.912% | No | Alternative | QC Complete | 08/13/2025 | |||||||
| 9718064497 | XX | XX | XX | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Closing Protection Letter Missing - EV R COMMENT: Provide CPL with ISAOA/ATIMA and updated lender loss payee address. Resolved 06/XX/2025 - Received CPL with loss payee address, condition resolved. *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 06/XX/2025 - Received title report with coverage amount, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide updated Flood insurance policy with lender loss payee for Newrez, subject transaction loans and borrower names. Resolved 06/XX/2025 - Received LOX from borrower, condition resolved. |
High Rise Condo (>=9 Stories) | 05/XX/2025 | 70.000% | 70.000% | Investor | Purchase | 680 | Partner | 3.08 | $20,103.06 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.928% | No | Full Documentation | QC Complete | 06/10/2025 | |||||||
| 9719607377 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 724 | Pharmacist | 23.08 | $16,329.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.659% | No | Full Documentation | QC Complete | 07/31/2025 | ||||||||
| 9719648389 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.339% Allowed 8.330% Overby +0.009%. This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 706 | Owner | 6.25 | $36,865.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
6.417% | Yes | Alternative | QC Complete | 07/22/2025 | |||||||
| 9720107383 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.539% Allowed 8.170% Overby +0.369%. This loan is compliant with regulation 1026.35 |
Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 786 | Owner | 9.25 | $9,354.08 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
42.663% | No | Alternative | QC Complete | 07/30/2025 | |||||||
| 9721864123 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX Resolved 06/XX/2025 - Received title report with insured amount $XX, condition resolved. |
Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 708 | Owner | 10.33 | $12,214.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.571% | No | Alternative | QC Complete | 06/04/2025 | |||||||
| 9723156221 | XX | XX | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 714 | Owner | 6.08 | $344,277.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
1.923% | No | Alternative | QC Complete | 07/16/2025 | ||||||||
| 9723365046 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 08/XX/2025 | 76.471% | 76.471% | Investor | Refinance | 737 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/13/2025 | |||||||||||||
| 9724951349 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Quality of Appraisal Report Unacceptable - EV R COMMENT: Provide an updated appraisal report reflecting the property type as PUD, as the Deed of Trust includes a PUD rider. Resolved 08/XX/2025 - Received updated appraisal report, condition resolved. |
Single Family | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 703 | Owner | 20.5 | $44,569.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$96,303.24 | 30.714% | Alternative | QC Complete | 07/30/2025 | |||||||
| 9725361647 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 761 | Devloper | 4.25 | $11,587.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.245% | No | Full Documentation | QC Complete | 07/30/2025 | ||||||||
| 9725471628 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: LTV of 82.88% exceeds the guideline requirement of max 80%. A copy of an exception approval letter is available in the loan file. |
FICO: 715 FICO exceeds the guideline requirement of 700. Residual Income : $30,911.84 monthly DTI: 37.36% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 07/XX/2025 | 82.860% | 82.860% | Primary | Refinance | 715 | 0.92 | CEO | 3.92 | $49,347.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.359% | Alternative | QC Complete | 07/30/2025 | ||||||
| 9725773759 | XX | XX | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.315% Allowed 8.270% Overby +0.045%. This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 741 | Owner | 12 | $7,896.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.303% | Yes | Alternative | QC Complete | 07/29/2025 | |||||||
| 9725911615 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Error & Omission insurance policy for the appraisal. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 720 | CEO | 10 | $117,586.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.450% | No | Alternative | QC Complete | 09/16/2025 | |||||||
| 9726235071 | XX | XX | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 751 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/30/2025 | ||||||||||||
| 9726704001 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: Provide a copy of Error and Omission policy, as it is missing Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
3 Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 774 | Broker Associate | 9.17 | $27,266.89 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.611% | Yes | Alternative | QC Complete | 06/12/2025 | |||||||
| 9727271554 | XX | XX | XX | Texas | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.931% Allowed 8.300% Overby +1.631%. This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: FTHB requirement for 12 months of housing payments A copy of an exception approval letter is available in the loan file. |
DTI: 10.43% DTI is less than the maximum guideline requirement of 43.00%. Residual Income : $44,657.82 monthly. FICO: 777 FICO exceeds the guideline requirement of 660. |
Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 777 | Machine Installer | 16.42 | $49,861.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.437% | Yes | Alternative | QC Complete | 06/19/2025 | |||||
| 9727567126 | XX | XX | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 739 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2025 | ||||||||||||
| 9728005712 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 08/XX/2025 | 80.000% | 80.000% | Investor | Refinance | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 08/13/2025 | |||||||||||||
| 9728038630 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 69.739% | 69.739% | Investor | Cash Out | 714 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$224,962.08 | Alternative | QC Complete | 09/15/2025 | ||||||||||||
| 9728552911 | XX | XX | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) VOM or VOR missing/required - EV R COMMENT: Missing VOR for property address XX with rent in the amount of $337.86. Resolved 07/XX/2025 - Received rent free LOX, condition resolved. |
2 Family | 07/XX/2025 | 65.000% | 65.000% | Investor | Cash Out | 694 | Owner | 19.83 | $4,664.18 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Multiple Source Docs |
$109,801.45 | 41.849% | Full Documentation | QC Complete | 07/24/2025 | |||||||
| 9733260294 | XX | XX | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Excessive DTI - EV W COMMENT: Requesting exception for DTI exceeding 50%, Borrower DTI is 52.932%. A copy of an exception approval letter is available in the loan file. |
FICO: 753 FICO exceeds the guideline requirement of 700. Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |
PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 753 | 1.25 | Manager | 3.42 | $7,347.61 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$22,981.07 | 52.932% | Alternative | QC Complete | 09/15/2025 | |||||
| 9733476759 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 762 | Owner/Realtor | 6.41 | $19,048.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.727% | No | Alternative | QC Complete | 07/10/2025 | ||||||||
| 9733972211 | XX | XX | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing Power of Attorney from seller XX to authorize XX singing authority. Resolved 06/XX/2025 - Received Certificate of Authority, condition resolved. |
PUD | 05/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 778 | Owner | 17 | $19,422.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.430% | No | Alternative | QC Complete | 06/24/2025 | |||||||
| 9734127641 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 810 | Owner | 2.16 | $9,583.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.993% | No | Alternative | QC Complete | 06/17/2025 | ||||||||
| 9734228050 | XX | XX | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 771 | Mos Reviewed:41 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/13/2025 | ||||||||||||
| 9734450852 | XX | XX | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 753 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/12/2025 | ||||||||||||
| 9735695497 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/18/2025 | ||||||||||||
| 9735721830 | XX | XX | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a eligible copy of both borrowers identification proof. Resolved 07/XX/2025 - Received GOV ID, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide real estate appraiser errors & omissions insurance policy , as it is missing. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 707 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/18/2025 | |||||||||||
| 9736189920 | XX | XX | XX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: EAD class C31 per form I-797C dated 8/29/24. Not an approved class per guide. A copy of an exception approval letter is available in the loan file. |
DTI: 9.22% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $56,103.75 monthly |
2 Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 687 | Owner | 6.5 | $61,804.29 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.224% | Yes | Alternative | QC Complete | 06/17/2025 | ||||||
| 9737161134 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 65.000% | 65.000% | Investor | Purchase | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/17/2025 | ||||||||||||
| 9738803130 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 804 | Clinical Pharmacist I | 1.75 | $13,788.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$25,972.50 | 31.008% | Full Documentation | QC Complete | 07/02/2025 | ||||||||
| 9738970079 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 785 | Owner | 3.83 | $20,132.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.804% | Yes | Alternative | QC Complete | 09/15/2025 | ||||||||
| 9739383553 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 721 | Manager | 2.75 | $60,653.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.839% | No | Alternative | QC Complete | 07/17/2025 | ||||||||
| 9740334934 | XX | XX | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 760 | Owner | 4.83 | $22,428.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.693% | No | Alternative | QC Complete | 06/17/2025 | ||||||||
| 9740369310 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 61.275% | 61.275% | Primary | Cash Out | 681 | 17.25 | Owner | 16.3 | $10,017.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$118,269.97 | 27.421% | Alternative | QC Complete | 07/21/2025 | |||||||
| 9740462784 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 730 | President | 5.5 | $60,205.14 | Mos Reviewed:11 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.400% | No | Alternative | QC Complete | 06/16/2025 | ||||||||
| 9740804597 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 65.000% | 65.000% | Investor | Purchase | 694 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/11/2025 | ||||||||||||
| 9741796883 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 08/XX/2025 | 73.636% | 73.636% | Investor | Refinance | 708 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 09/15/2025 | |||||||||||||
| 9743579188 | XX | XX | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 702 | 2.5 | Owner | 5.75 | $76,987.90 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$7,675.49 | 14.192% | Alternative | QC Complete | 06/20/2025 | |||||||
| 9743933609 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 711 | President | 6.92 | $10,290.00 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.036% | No | Alternative | QC Complete | 09/15/2025 | ||||||||
| 9747737311 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 73.576% | 73.576% | Investor | Cash Out | 725 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$222,956.11 | Alternative | QC Complete | 07/22/2025 | ||||||||||||
| 9747880715 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of mortgage statement of #XX Resolved 06/XX/2025 - Received loan estimate reflecting mortgage P&I amount, condition resolved. |
Single Family | 06/XX/2025 | 59.880% | 59.880% | Investor | Cash Out | 724 | President & CEO | 7.42 | $90,887.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$486,581.01 | 31.335% | Alternative | QC Complete | 06/18/2025 | |||||||
| 9748303428 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 775 | Owner | 5.41 | $37,421.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
22.467% | Yes | Alternative | QC Complete | 07/30/2025 | ||||||||
| 9749123676 | XX | XX | XX | Utah | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: "Requesting an exception to allow the subject property, which is a log home." Exception approval available in the loan file. |
727 exceeds the minimum guideline requirement of 700 216.58 months reserves exceed the minimum guideline of 3 months. DTI of 3.05% is less than the maximum guideline requirement of 50%. |
Single Family | 06/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 727 | Owner | 18.25 | $625,426.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.052% | No | Alternative | QC Complete | 06/17/2025 | ||||||
| 9749311313 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Submit proof of tax payment and insurance coverage for the investment property located at XX Resolved 08/XX/2025 - Received tax bill and purchase contract and Insurance is not required as it is land property, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of proof document for Child Support. Resolved 08/XX/2025 - Received divorce decree document, condition resolved. |
Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 735 | Owner | 11 | $9,421.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.711% | No | Alternative | QC Complete | 07/31/2025 | |||||||
| 9749369956 | XX | XX | XX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Purchase Contract - EV R COMMENT: Missing addendum for change in purchase price in the amount $xx. Resolved 06/XX/2025 - Received purchase agreement, condition resolved. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide wire transfer or bank statement to verify the gift amount of $40,000.00. as it is missing. Resolved 06/XX/2025 - Received gift wire, condition resolved. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. CA AB 260 Higher-Priced Mortgage Loan Test: Charged 8.518% Allowed 8.300% Overby +0.218% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |
3 Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 738 | Owner | 3.08 | $32,284.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.554% | Yes | Alternative | QC Complete | 09/16/2025 | |||||||
| 9749502945 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 751 | Owner/Realtor | 19.25 | $19,318.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.742% | No | Alternative | QC Complete | 07/17/2025 | ||||||||
| 9750242373 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%. This loan is compliant with regulation 1026.35. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: (MA 209 CMR 32.35) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 8.380% Overby +0.980%. This loan is compliant with regulation (MA 209 CMR 32.35). |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 649 | Owner | 10.16 | $19,528.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
28.384% | Yes | Alternative | QC Complete | 07/03/2025 | |||||||
| 9750391212 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide real estate appraisers error and omissions insurance policy, as it is missing. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
4 Family | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/18/2025 | |||||||||||
| 9751240731 | XX | XX | XX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 796 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/09/2025 | ||||||||||||
| 9752717109 | XX | XX | XX | Wisconsin | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Lead-Based Paint Disclosure for property build on year 1878. Resolved 07/XX/2025 - Received LOX as lead based document is not required for refinance loans, condition resolved. |
2 Family | 06/XX/2025 | 52.632% | 52.632% | Investor | Cash Out | 718 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$84,667.89 | Alternative | QC Complete | 09/15/2025 | ||||||||||
| 9753373191 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: To allow dispute to stay on credit and not be removed and new credit pulled. A copy of an exception approval letter is available in the loan file. |
FICO: 760 FICO exceeds the guideline requirement of 700. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. DTI: 40.82% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 760 | Owner | 19.83 | $42,729.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.825% | No | Alternative | QC Complete | 06/20/2025 | ||||||
| 9753565770 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: Provide real estate appraiser errors & omissions insurance policy , as it is missing. Resolved 06/XX/2025 - Received E&O insurance policy, condition resolved. |
2 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/20/2025 | |||||||||||
| 9753733584 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV R COMMENT: Provide updated copy of appraisal report with at least 3 comparable sales with each with its own clear, front-view photo. Resolved 07/XX/2025 - Received updated appraisal report, condition resolved. |
PUD | 06/XX/2025 | 38.889% | 38.889% | Secondary | Cash Out | 771 | Plumber | 35.42 | $53,759.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$200,987.00 | 16.349% | Alternative | QC Complete | 07/02/2025 | |||||||
| 9753734798 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 672 | Executive Vice President | 17.16 | $31,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
33.701% | No | Full Documentation | QC Complete | 09/15/2025 | ||||||||
| 9754172212 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX. Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: NSF event of 22 exceed the guideline requirement of maximum six NSF event in the any 12-month period. A copy of an exception approval letter is available in the loan file. |
LTV: 60.61% LTV is less than the guideline requirement of 75.00%. Residual Income : $11,221.04 monthly. |
Single Family | 07/XX/2025 | 60.606% | 60.606% | Primary | Cash Out | 692 | 28 | Owner | 30.16 | $20,175.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$289,902.72 | 44.382% | Alternative | QC Complete | 07/15/2025 | ||||
| 9754186832 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 814 | Owner | 17.08 | $33,504.00 | Mos Reviewed:50 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.942% | No | Alternative | QC Complete | 06/13/2025 | ||||||||
| 9755274272 | XX | XX | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Purchase Contract - EV R COMMENT: The purchase agreement expired on June XX, 2024; provide copy of updated purchase agreement or addendum. Resolved 07/XX/2025 - Received LOX as contract addendum for closing date and this is not short sale, condition resolved. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 681 | Owner | 7.58 | $12,763.55 | Mos Reviewed:73 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.842% | No | Alternative | QC Complete | 06/24/2025 | |||||||
| 9756023504 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. Resolved 08/XX/2025 - Received Supplemental report, condition resolved. |
Single Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/01/2025 | |||||||||||
| 9756610177 | XX | XX | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 711 | Driver | 2.67 | $21,241.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.857% | No | Alternative | QC Complete | 06/24/2025 | ||||||||
| 9756814084 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 707 | CEO | 5.33 | $18,368.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.543% | No | Alternative | QC Complete | 07/09/2025 | ||||||||
| 9757207379 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 05/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 733 | 30 | Owner | 12.42 | $36,448.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$356,332.54 | 19.033% | Alternative | QC Complete | 06/12/2025 | |||||||
| 9757251757 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/18/2025 | ||||||||||||
| 9758643663 | XX | XX | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 79.730% | 79.730% | Primary | Purchase | 789 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
Yes | Alternative | QC Complete | 06/16/2025 | ||||||||||||
| 9759639603 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: Appraisal missing copy of appraisers error and omissions policy. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing E&O insurance policy. Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |
PUD | 06/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 751 | Business Owner | 6.42 | $30,627.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.750% | No | Alternative | QC Complete | 09/15/2025 | |||||||
| 9759654354 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 794 | Mos Reviewed:45 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/13/2025 | ||||||||||||
| 9760903360 | XX | XX | XX | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/04/2025 | ||||||||||||
| 9761084681 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 68.965% | 68.965% | Primary | Cash Out | 706 | 10 | Owner | 18.42 | $66,093.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$205,808.83 | 18.605% | Alternative | QC Complete | 07/02/2025 | |||||||
| 9761504894 | XX | XX | XX | New York | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.566% Allowed 8.170% Overby +0.396%. This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 720 | Owner | 14.5 | $31,994.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.743% | Yes | Alternative | QC Complete | 07/31/2025 | |||||||
| 9761512970 | XX | XX | XX | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 782 | Clerk | 22.75 | $9,510.69 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.038% | No | Full Documentation | QC Complete | 07/17/2025 | ||||||||
| 9761834184 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 57.107% | 57.107% | Investor | Cash Out | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$216,692.26 | Alternative | QC Complete | 06/24/2025 | ||||||||||||
| 9762017110 | XX | XX | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 05/XX/2025 | 42.732% | 42.732% | Primary | Refinance | 723 | 0.83 | Orthopedics Surgeon | 16.83 | $105,424.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.040% | Alternative | QC Complete | 06/16/2025 | ||||||||
| 9762196096 | XX | XX | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 732 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/09/2025 | ||||||||||||
| 9762418755 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 762 | Owner | 6.25 | $23,849.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.221% | No | Alternative | QC Complete | 07/15/2025 | ||||||||
| 9762653500 | XX | XX | XX | Indiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Charged 9.427% Allowed 8.330% +Overby 1.097% This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 733 | Owner | 7.5 | $10,428.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.824% | No | Alternative | QC Complete | 07/31/2025 | |||||||
| 9762725936 | XX | XX | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.521% Allowed 8.270% Overby +0.251% This loan is compliant with regulation 1026.35. |
PUD | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 725 | Owner | 6.08 | $13,089.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
25.979% | Yes | Alternative | QC Complete | 08/01/2025 | |||||||
| 9762875632 | XX | XX | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of bank statement for the month of Dec 2024 "XX Resolved 06/XX/2025 - Received Dec month bank statement, condition resolved. |
PUD | 05/XX/2025 | 81.417% | 81.417% | Primary | Refinance | 757 | 0.58 | Owner | 4.33 | $18,132.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.216% | Alternative | QC Complete | 06/13/2025 | |||||||
| 9763084374 | XX | XX | XX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 801 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/01/2025 | ||||||||||||
| 9763825107 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 60.000% | 60.000% | Primary | Purchase | 758 | Attomey-Owner | 22.92 | $46,674.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.313% | No | Alternative | QC Complete | 07/17/2025 | ||||||||
| 9765057618 | XX | XX | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Final CD missing 2,3,4 pages of 5. Resolved 07/XX/2025: Received Final CD missing 2,3,4 pages of 5 dated 7/xx/2025 and exception is cleared. |
PUD | 07/XX/2025 | 65.000% | 65.000% | Investor | Cash Out | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$18,347.86 | Alternative | QC Complete | 09/15/2025 | |||||||||||
| 9765183133 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 737 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2025 | ||||||||||||
| 9765768321 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 756 | Contractor | 3.42 | $16,989.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.499% | No | Alternative | QC Complete | 06/18/2025 | ||||||||
| 9766773098 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 794 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/18/2025 | ||||||||||||
| 9766842471 | XX | XX | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The Title Commitment is incomplete due to missing Schedules B and C. Resolved 06/XX/2025 - Received title commitment with schedule B and C, condition resolved. |
Single Family | 06/XX/2025 | 78.668% | 78.668% | Primary | Purchase | 756 | CEO & Owner | 7.75 | $1,027,657.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
2.230% | No | Alternative | QC Complete | 06/19/2025 | |||||||
| 9767090781 | XX | XX | XX | Oregon | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: The borrower is using a bridge loan from their departing residence at xxwhich is currently listed for sale. A copy of an exception approval letter is available in the loan file. |
FICO: 803 FICO exceeds the guideline requirement of 700. Residual Income : $28,510.93 monthly. |
Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Purchase | 803 | Owner | 17.25 | $44,526.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.969% | No | Alternative | QC Complete | 07/09/2025 | ||||||
| 9767604268 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 60.000% | 60.000% | Secondary | Cash Out | 750 | Partner | 14.08 | $362,374.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$582,788.30 | 16.621% | Alternative | QC Complete | 07/31/2025 | ||||||||
| 9767792816 | XX | XX | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/03/2025 | ||||||||||||
| 9768061740 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 06/XX/2025 - Received final policy with insured amount $XX, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of missing PUD Rider. Resolved 07/XX/2025 - Received PUD Rider, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: The borrower's 12-month history is comprised of a VOR from 10/31/2024 to the current at XX reflecting 0x30 for 7 months. Before that, the borrower lived at XX at family home that he owned and recently sold on 4/XX/2025 for 30days. The remainder of the 12 months was documented with bank statements from 4/11/2024 -9/10/2024 showing payments of $1552.00 a copy of a month-to-month lease indicated the amount paid was not the full rental amount, and the borrower provided a letter of explanation stating that he at the time they were living with their ex-who was responsible for the other half of the rent and they no longer communication so he is unable to provide the proof the other half of the rent payments during that time. Asking for an exception to accept rental history as documented. A copy of an exception approval letter is available in the loan file. |
FICO: 717 FICO exceeds the guideline requirement of 660. DTI: 26.94% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 717 | Plumber | 20.33 | $26,648.20 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.939% | No | Alternative | QC Complete | 06/17/2025 | |||||
| 9769008401 | XX | XX | XX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property is vacant - EV R COMMENT: Appraisal reflecting occupant as vacant , it should be owner as the purpose of transaction is primary refinance. Provide an updated appraisal. Resolved 06/XX/2025 - Received Updated appraisal report, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a quit claim deed to transfer the ownership from " XXC" to "XX". Resolved 06/XX/2025 - Received Quit claim deed, condition resolved. |
Single Family | 06/XX/2025 | 78.646% | 78.646% | Primary | Refinance | 754 | 2 | Owner | 4.75 | $42,285.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
25.912% | Alternative | QC Complete | 06/18/2025 | |||||||
| 9769258345 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/13/2025 | ||||||||||||
| 9769260945 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Additional Address on Credit Report - EV R COMMENT: Borrower staying rent, require 2 years of housing history, provide a copy of VOR of (XX ) Provide a letter of explanation for the additional address indicated in the credit report during the last 24 months. Resolved 06/XX/2025: Resolved as the borrower has rented the current primary residence atXXL from 8/2023 through the present (over 12 months.) A VOR for the prior residence is not required. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of 2 months recent bank statement XX,as it is missing. Resolved 06/XX/2025 - Received bank statement, condition resolved. |
Single Family | 05/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 765 | Coach/Trainer of Figure | 9.33 | $10,461.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
40.895% | Yes | Alternative | QC Complete | 06/03/2025 | |||||||
| 9769832636 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 783 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/03/2025 | ||||||||||||
| 9769842841 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 766 | Teacher | 10.58 | $11,916.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$118,589.82 | 39.873% | Full Documentation | QC Complete | 07/23/2025 | ||||||||
| 9770129188 | XX | XX | XX | Ohio | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Non-Perm Resident with Class U2 Visa A copy of an exception approval letter is available in the loan file. |
FICO: 711 FICO exceeds the guideline requirement of 660. DTI: 32.35% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 107 months of available reserves are more than the guideline requirement of 5 months. |
2 Family | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 711 | Owner | 6.5 | $38,258.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$236,332.65 | 32.101% | Alternative | QC Complete | 09/15/2025 | ||||||
| 9771710937 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 06/XX/2025 - Received title report for insured amount, condition resolved. |
4 Family | 05/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 794 | Owner | 3.23 | $32,543.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.882% | No | Alternative | QC Complete | 06/09/2025 | |||||||
| 9771856235 | XX | XX | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide a copy of title supplement report, title insured amount xx not covering the loan amount of $XX Resolved 07/XX/2025 - Received updated title with insured amount, condition resolved. |
Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 678 | Owner | 7.08 | $39,916.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.994% | No | Alternative | QC Complete | 07/16/2025 | |||||||
| 9773629010 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: 5% LTV exception for over $2M guideline is 75%, requesting 80% LTV. A copy of an exception approval letter is available in the loan file. |
FICO: 761 FICO exceeds the guideline requirement of 740. DTI: 46.55% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 53 months of available reserves are more than the guideline requirement of 12 months. |
Single Family | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 761 | Owner/Veterinarian | 8.25 | $47,044.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.863% | No | Alternative | QC Complete | 08/01/2025 | ||||||
| 9773945457 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 759 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
No | Alternative | QC Complete | 08/01/2025 | ||||||||||||
| 9774684642 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide a copy of title supplemental report to cover the loan amount $XX Resolved on 06/XX/2025 : Received Title document , condition resolved. |
Single Family | 05/XX/2025 | 34.641% | 34.641% | Primary | Purchase | 774 | Owner | 3.33 | $14,823.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.173% | No | Alternative | QC Complete | 06/10/2025 | |||||||
| 9774929005 | XX | XX | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/31/2025 | ||||||||||||
| 9775010185 | XX | XX | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 722 | 4.08 | Carpenter | 3.16 | $5,691.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$14,562.45 | 45.624% | Full Documentation | QC Complete | 07/02/2025 | |||||||
| 9776109259 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.686% Allowed 8.420% Overby +0.266%. This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 704 | Owner | 2.66 | $7,196.95 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
20.754% | No | Alternative | QC Complete | 06/19/2025 | |||||||
| 9777293037 | XX | XX | XX | Hawaii | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 08/XX/2025 - Received title supplement report, condition resolved. |
PUD | 07/XX/2025 | 70.000% | 70.000% | Primary | Cash Out | 658 | 21.41 | Manager | 4.05 | $2,400.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$633,055.78 | 47.872% | Full Documentation | QC Complete | 08/04/2025 | ||||||
| 9777617797 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/31/2025 | ||||||||||||
| 9777756454 | XX | XX | XX | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing proof of hazard insurance - EV R COMMENT: Hazard insurance reflecting incorrect subject address.Provide an updated hazard insurance. Resolved 07/XX/2025 - Received corrected hazard insurance, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Proof of EMD missing in the file. Resolved 06/XX/2025 - Received client response as The borrower had sufficient assets to cover the funds to close and reserves without verifying the EMD, condition resolved. |
Low Rise Condo (1-4 Stories) | 06/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 771 | Senior Image scientist | 3.25 | $10,065.47 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.209% | Yes | Full Documentation | QC Complete | 06/12/2025 | |||||||
| 9778121526 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 55.446% | 55.446% | Primary | Cash Out | 766 | 9.42 | Owner | 32.5 | $15,979.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$103,751.92 | 14.364% | Alternative | QC Complete | 08/13/2025 | |||||||
| 9778243098 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 34.783% | 34.783% | Investor | Cash Out | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$192,727.64 | Alternative | QC Complete | 07/16/2025 | ||||||||||||
| 9778868407 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 737 | Owner | 22.41 | $42,340.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.625% | No | Alternative | QC Complete | 06/24/2025 | ||||||||
| 9779543488 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :Yes Total Delinquent:0.00000 Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$132,359.29 | Alternative | QC Complete | 07/16/2025 | ||||||||||||
| 9779610733 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 734 | Owner | 19.25 | $27,951.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.954% | No | Alternative | QC Complete | 07/21/2025 | ||||||||
| 9781360152 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 701 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/17/2025 | ||||||||||||
| 9781692034 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 85.000% | 85.000% | Primary | Purchase | 811 | Real Estate Broker | 4.08 | $15,225.37 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.913% | Yes | Alternative | QC Complete | 06/23/2025 | ||||||||
| 9782158159 | XX | XX | XX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.891% Allowed 8.250% +Overby 1.641% This loan is compliant with regulation 1026.35. *** (CURED) VOM or VOR missing/required - EV R COMMENT: Please provide a Verification of Rent (VOR) for the borrower's current residence located at XX, where the monthly rent is $1,500. Resolved 08/XX/2025 - Received credit supplemental report with 12 months rental history, condition resolved. |
Single Family | 07/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 755 | Hair Stylist & Makeup Artist | 15.83 | $3,355.19 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
40.201% | Yes | Alternative | QC Complete | 08/01/2025 | |||||||
| 9782469374 | XX | XX | XX | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$52,536.49 | Alternative | QC Complete | 07/09/2025 | ||||||||||||
| 9783075964 | XX | XX | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: The Borrower's Driver License expired on 07/XX/2025, which is prior to the closing date. Provide a updated government ID Resolved 07/XX/2025 - Received un expired passport, condition resolved. |
Single Family | 07/XX/2025 | 68.434% | 68.434% | Investor | Cash Out | 797 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$102,634.27 | Alternative | QC Complete | 07/17/2025 | |||||||||||
| 9783333835 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The $XX coverage amount on the title report is less than the mortgage loan amount of $1XX Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide copy of VOR proof of XX Resolved 06/XX/2025 - Received Client response as LOX is not required for the previous residence property, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Hazard insurance does not reflects ISAOA ATIMA. Resolved 07/XX/2025 - Received updated insurance document, condition resolved. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Refinance | 775 | 1.58 | Electrician | 3.25 | $5,520.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.599% | Alternative | QC Complete | 06/19/2025 | |||||||
| 9783519813 | XX | XX | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/08/2025 | ||||||||||||
| 9783719074 | XX | XX | XX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 75.000% | 75.000% | Secondary | Purchase | 772 | President | 9.33 | $16,333.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.531% | No | Full Documentation | QC Complete | 07/22/2025 | ||||||||
| 9784014327 | XX | XX | XX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.748% Allowed 8.370% Overby +0.378% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide Real estate appraisers error and omissions insurance policy, as it is missing Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. |
PUD | 05/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 761 | President | 10.33 | $66,902.72 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.730% | No | Alternative | QC Complete | 06/10/2025 | |||||||
| 9784429244 | XX | XX | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 49.516% | 49.516% | Primary | Refinance | 730 | 3.66 | Broker | 3.5 | $6,862.28 | Mos Reviewed:0 Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
27.329% | Alternative | QC Complete | 09/15/2025 | ||||||||
| 9784578719 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/12/2025 | ||||||||||||
| 9784651755 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX. Resolved 06/XX/2025 - Received title insured amount, condition resolved. |
Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 718 | 34 | $2,285.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$166,388.47 | 42.551% | Alternative | QC Complete | 06/23/2025 | ||||||||
| 9785492126 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 820 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/15/2025 | ||||||||||||
| 9785841488 | XX | XX | XX | Minnesota | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.292% Allowed 8.300% Overby +0.992%. This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 668 | Partner | 3.5 | $9,286.69 | Mos Reviewed:44 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.236% | No | Alternative | QC Complete | 06/12/2025 | |||||||
| 9786022021 | XX | XX | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 80.000% | 80.000% | Primary | Refinance | 756 | 0.75 | Owner | 5.5 | $31,153.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.799% | Alternative | QC Complete | 07/31/2025 | ||||||||
| 9786028051 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 814 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$118,977.61 | Alternative | QC Complete | 07/31/2025 | ||||||||||||
| 9786310780 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 70.000% | 70.000% | Primary | Purchase | 790 | Owner | 4.08 | $16,433.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.180% | No | Alternative | QC Complete | 07/18/2025 | ||||||||
| 9788544097 | XX | XX | XX | South Carolina | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: FTHB with no prior housing payment in the past 12 months purchasing a 2nd home. A copy of an exception approval letter is available in the loan file. |
FICO: 738 FICO exceeds the guideline requirement of 720. DTI: 41.58% DTI is less than the maximum guideline requirement of 50.00%. |
Low Rise Condo (1-4 Stories) | 06/XX/2025 | 80.000% | 80.000% | Secondary | Purchase | 738 | Owner/Operator | 25.42 | $28,632.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.578% | Yes | Alternative | QC Complete | 06/17/2025 | ||||||
| 9788547934 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide lease agreement for XX ($2,500), as it is missing. Resolved 07/XX/2025 - There is no lease agreement required for STR Income, condition resolved. |
3 Family | 06/XX/2025 | 70.000% | 70.000% | Investor | Cash Out | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$133,344.54 | Alternative | QC Complete | 07/02/2025 | |||||||||||
| 9789025872 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 59.190% | 59.190% | Primary | Cash Out | 775 | 21 | Owner | 12.83 | $8,152.77 | Mos Reviewed:99 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$39,095.89 | 29.791% | Alternative | QC Complete | 06/18/2025 | |||||||
| 9789711919 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 795 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/17/2025 | ||||||||||||
| 9791447155 | XX | XX | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2025 | 51.765% | 51.765% | Investor | Cash Out | 736 | $7,344.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$62,672.59 | 38.700% | Full Documentation | QC Complete | 07/29/2025 | ||||||||||
| 9791539969 | XX | XX | XX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 07/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/31/2025 | ||||||||||||
| 9791641922 | XX | XX | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/22/2025 | ||||||||||||
| 9791752257 | XX | XX | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The $XX coverage amount on the title report is less than the mortgage loan amount of $XX. Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |
PUD | 06/XX/2025 | 69.863% | 69.863% | Primary | Cash Out | 704 | 5.58 | Owner | 16.83 | $9,655.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$139,887.10 | 47.611% | Alternative | QC Complete | 06/19/2025 | ||||||
| 9791776983 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/19/2025 | ||||||||||||
| 9791918551 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2025 | 85.000% | 85.000% | Investor | Purchase | 776 | Owner | 11.41 | $120,440.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.039% | No | Alternative | QC Complete | 07/16/2025 | ||||||||
| 9791947352 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Cash Out | 741 | 1.83 | Project Manager | 3.25 | $6,668.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$78,885.92 | 49.473% | Full Documentation | QC Complete | 07/03/2025 | |||||||
| 9793014938 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 777 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/16/2025 | |||||||||||
| 9793055337 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide updated Hazard insurance with mortgage clause. Resolved 07/XX/2025 - Received Updated insurance document, condition resolved. |
Single Family | 06/XX/2025 | 69.321% | 69.321% | Investor | Cash Out | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$176,094.89 | Alternative | QC Complete | 07/10/2025 | |||||||||||
| 9793247447 | XX | XX | XX | South Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.577% Allowed 8.380% Overby +1.197%. This loan is compliant with regulation 1026.35. |
Single Family | 06/XX/2025 | 90.000% | 90.000% | Primary | Purchase | 785 | Owner | 3.25 | $14,123.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
44.739% | No | Alternative | QC Complete | 07/17/2025 | |||||||
| 9793446429 | XX | XX | XX | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: "The hazard insurance policy was not properly scanned. The Dwelling coverage amount shows $xx, indicating a missing digit." Resolved 07/XX/2025 - Received corrected insurance, condition resolved. |
Single Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 707 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/09/2025 | |||||||||||
| 9793638272 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 794 | General Physician | 21.42 | $7,182.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.186% | No | Alternative | QC Complete | 07/09/2025 | ||||||||
| 9794525197 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 75.000% | 75.000% | Primary | Cash Out | 693 | 15 | Owner | 6.33 | $17,176.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$80,781.24 | 23.876% | Alternative | QC Complete | 06/20/2025 | |||||||
| 9794614397 | XX | XX | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide a copy of the Title supplement, as the proposed title insurance amount of $XX is inadequate to cover the loan amount of $XX. Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |
3 Family | 06/XX/2025 | 75.000% | 75.000% | Investor | Cash Out | 766 | Mos Reviewed:35 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$138,281.32 | Alternative | QC Complete | 06/18/2025 | |||||||||||
| 9794724691 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 809 | Manager, Human Resources | 9.58 | $9,227.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.215% | No | Full Documentation | QC Complete | 07/03/2025 | ||||||||
| 9795667022 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/13/2025 | ||||||||||||
| 9795709279 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2025 | 23.958% | 23.958% | Primary | Cash Out | 705 | 35.08 | Owner | 25.42 | $8,486.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$99,298.32 | 40.182% | Alternative | QC Complete | 06/13/2025 | |||||||
| 9796133305 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 713 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/29/2025 | ||||||||||||
| 9796851161 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R COMMENT: Missing Home Loan Toolkit. Resolved 07/XX/2025: Received Home Loan Toolkit dated 4/XX/2025 and exception is cleared. |
Single Family | 06/XX/2025 | 80.000% | 80.000% | Primary | Purchase | 717 | Owner | 7.75 | $14,943.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.999% | Yes | Alternative | QC Complete | 06/23/2025 | |||||||
| 9798421237 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 06/XX/2025 | 80.000% | 80.000% | Investor | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/09/2025 | ||||||||||||
| 9799440749 | XX | XX | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2025 | 67.568% | 67.568% | Investor | Cash Out | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$238,535.45 | Alternative | QC Complete | 07/31/2025 | ||||||||||||
| 9799697868 | XX | XX | XX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing credit report - EV R COMMENT: Provide a copy of credit report for the borrower (XXX with atleast 2 credit scores in it. Resolved 06/XX/2025 - Received Client LOE " The borrower does not have any reported credit freeze & 1 credit score is allowed as per guideline", condition resolved. |
High Rise Condo (>=9 Stories) | 05/XX/2025 | 75.000% | 75.000% | Investor | Purchase | 812 | Owner | 12.75 | $38,941.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
7.004% | No | Alternative | QC Complete | 06/24/2025 |