.2 Schedule 4
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Name | State | QM/ATR Status | Initial Overall Loan Grade | Final Overall Grade | Final Credit Grade | Final Property Grade | Final Compliance Grade | Material (level 3) TRID exception? | Material (level 3) Non-TRID exception? | Active Material Exceptions | Active Non Material Exceptions | Satisfied Exceptions | Waived Exceptions | Compensating Factors | Property Type | Note Date | LTV | CLTV | Occupancy | Purpose | Credit Score | Brwr 1 Yrs in Property | Brwr 1 Occupation | Brwr 1 Yrs on Job | Total Monthly Income | Mortgage History | Cash Out Amount | DTI | FTHB Flag | Loan Doc Type | Loan Status | Review Date |
| 900000001 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/09/2025 | ||||||||||||
| 900000002 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 49.817% | 49.817% | Primary | Purchase | 738 | XXXX | 7.92 | $49,000.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.190% | No | Alternative | QC Complete | 09/25/2025 | ||||||||
| 900000003 | XXXX | XXXX | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 79.971% | 79.971% | Investor | Purchase | 741 | XXXX | 12 | $19,580.49 | 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 |
18.750% | No | Alternative | QC Complete | 07/07/2025 | ||||||||
| 900000004 | XXXX | XXXX | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 731 | XXXX | 15.83 | $26,858.33 | 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 |
33.182% | No | Full Documentation | QC Complete | 09/26/2025 | ||||||||
| 900000005 | XXXX | XXXX | XXXX | Maryland | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.846% Allowed 8.420% Overby +0.426% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.846% Allowed 8.420% Overby +0.426% This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |
Single Family | XX/XX/XXXX | 74.598% | 74.598% | Primary | Cash Out | 694 | 9.83 | XXXX | 8.66 | $14,485.17 | 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 |
$XXXX | 25.303% | Alternative | QC Complete | 09/09/2025 | ||||||
| 900000006 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXXX as it is required by the guideline. Gap report present in file dated on 07/XX/2025 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
*** (WAIVED) Title holder is not an individual - EV W COMMENT: Allowing LLC borrower for XXXX guidelines. A copy of an exception approval letter is available in the loan file. |
DTI: 41.73% DTI is less then the maximum guidelines requirement
of 50.00% FICO : 757 FICO Exceeds the guidelines requirement of 660 LTV: 75.00% LTV is less than the guideline requirement of 80.00%. |
4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 757 | XXXX | 7.33 | $15,739.16 | 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 |
41.736% | No | Full Documentation | QC Complete | 09/09/2025 | |||||
| 900000010 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 737 | $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 |
25.396% | Alternative | QC Complete | 09/25/2025 | |||||||||||
| 900000012 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
PUD | XX/XX/XXXX | 89.105% | 89.105% | Primary | Purchase | 793 | XXXX | 5.83 | $51,493.58 | 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 |
17.516% | No | Alternative | QC Complete | 09/09/2025 | |||||||
| 900000013 | XXXX | XXXX | XXXX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
Single Family | XX/XX/XXXX | 78.807% | 78.807% | Primary | Refinance | 765 | 20.08 | XXXX | 7.58 | $14,900.00 | 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 |
48.069% | Alternative | QC Complete | 09/10/2025 | |||||||
| 900000015 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 757 | XXXX | 4.5 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 01/02/2026 | ||||||||||
| 900000016 | XXXX | XXXX | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/25/2025 | ||||||||||||
| 900000019 | XXXX | XXXX | XXXX | Nevada | 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 $XXXX Resolved 09/XX/2025 - Received preliminary report with insured amount, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Loan scorecard as it is missing. Resolved 10/XX/2025 - Received XXXX document with loan program and loan details, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 50.000% | 50.000% | Investor | Cash Out | 761 | $7,493.03 | 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 |
$XXXX | 43.846% | Alternative | QC Complete | 09/10/2025 | |||||||||
| 900000021 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 775 | XXXX | 25 | $41,426.78 | 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 |
$XXXX | 49.291% | Full Documentation | QC Complete | 09/10/2025 | |||||||
| 900000023 | XXXX | XXXX | XXXX | Ohio | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary Valuation. Resolved 10/XX/2025 - Received CDA, condition resolved. |
Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 691 | 22.16 | XXXX | 12.58 | $16,479.22 | 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 |
$XXXX | 22.827% | Alternative | QC Complete | 09/25/2025 | ||||||
| 900000024 | XXXX | XXXX | XXXX | Alabama | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Per Appr prop in flood zone but flood certs = no -
EV R COMMENT: Please provide an updated appraisal report reflecting the change in FEMA flood zone from ‘Yes’ to ‘No.’ The flood certificate indicates the property is located in Zone ‘X. Resolved 11/XX/2025: Resolved as the flood certificate indicates that the property is not located in a flood zone. However, the master condo association maintains flood insurance regardless. This discrepancy is a non-material issue, as the appraisal is less precise in this regard — the flood certificate provides a more reliable assessment of the property’s flood zone status. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 781 | XXXX | 9.25 | $31,756.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.466% | No | Full Documentation | QC Complete | 09/10/2025 | |||||||
| 900000025 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Refinance | 771 | 0.08 | XXXX | 7 | $264,487.28 | 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 |
7.060% | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000026 | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 720 | 30.08 | XXXX | 36.41 | $35,507.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 42.851% | Alternative | QC Complete | 01/02/2026 | |||||||
| 900000027 | XXXX | XXXX | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 71.765% | 71.765% | Secondary | Purchase | 731 | XXXX | 30.83 | $228,552.56 | 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 |
9.708% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000028 | XXXX | XXXX | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
PUD | XX/XX/XXXX | 66.667% | 66.667% | Primary | Refinance | 702 | 1.5 | XXXX | 2.08 | $13,929.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.847% | Full Documentation | QC Complete | 09/10/2025 | |||||||
| 900000029 | XXXX | XXXX | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 686 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000031 | XXXX | XXXX | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000033 | XXXX | XXXX | XXXX | Louisiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Primary | Purchase | 793 | XXXX | 4.16 | $16,061.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.827% | No | Alternative | QC Complete | 10/10/2025 | ||||||||
| 900000034 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Loan score card as it missing. 09/XX/2025 Resolved - Resolved as Loan score card is not required for delegated loans. |
Single Family | XX/XX/XXXX | 73.232% | 73.232% | Primary | Purchase | 741 | XXXX | 0.5 | $23,539.13 | 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: |
48.760% | No | Full Documentation | QC Complete | 09/10/2025 | |||||||
| 900000036 | XXXX | XXXX | XXXX | New Mexico | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 | XXXX | 2 | $7,083.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.241% | No | Full Documentation | QC Complete | 09/10/2025 | |||||||
| 900000040 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 810 | XXXX | 8.66 | $157,180.36 | 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 |
6.528% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000041 | XXXX | XXXX | XXXX | Alabama | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Required Documentation Missing or Incomplete - EV W COMMENT: Borrower’s credit score of 717 is acceptable; however, 11 NSFs in the past 12 months exceed the allowable limit of 6. Additionally, no mortgage history is available, and property payment history cannot substitute—this materially impacts the credit-based risk assessment. A copy of an exception approval letter is available in the loan file. |
LTV: 36.80% LTV is less than the guideline requirement of
80.00%. DTI: 10.04% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 36.802% | 36.802% | Primary | Cash Out | 747 | 3 | XXXX | 14.67 | $20,801.76 | 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 |
$XXXX | 10.042% | Alternative | QC Complete | 10/10/2025 | |||||
| 900000042 | XXXX | XXXX | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 724 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.253% | No | Full Documentation | QC Complete | 09/26/2025 | |||||||||||
| 900000045 | XXXX | XXXX | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 797 | XXXX | 18.92 | $75,492.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.980% | Yes | Alternative | QC Complete | 09/10/2025 | ||||||||
| 900000046 | XXXX | XXXX | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000047 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, Provide a copy replacement cost estimator. Resolved 10/XX/2025 - Received RCE document and covers the dwelling, condition resolved. |
Single Family | XX/XX/XXXX | 66.667% | 66.667% | Primary | Cash Out | 670 | 19 | XXXX | 19.92 | $132,776.93 | 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 |
$XXXX | 13.004% | Alternative | QC Complete | 01/02/2026 | ||||||
| 900000049 | XXXX | XXXX | XXXX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 700 | XXXX | 17.33 | $26,213.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.623% | Yes | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000050 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting income documents for the $6,135.03 as it is missing. Resolved 10/XX/2025 - Received lender worksheet for other income and the Asset depletion income is waived due to equities account to available assets for closing, condition resolved. |
PUD | XX/XX/XXXX | 63.683% | 63.683% | Primary | Refinance | 742 | 0.67 | XXXX | 2.67 | $22,916.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.521% | Full Documentation | QC Complete | 09/25/2025 | |||||||
| 900000053 | XXXX | XXXX | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 801 | XXXX | 0.75 | $12,235.58 | 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 |
34.696% | No | Full Documentation | QC Complete | 09/25/2025 | ||||||||
| 900000054 | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: NSF event of 8 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. |
FICO: 719 FICO exceeds the guideline requirement of 640. LTV: 70.00% LTV is less than the guideline requirement of 80.00%. DTI: 2.22% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Refinance | 719 | 5 | XXXX | 2.58 | $271,762.77 | 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 |
2.222% | Alternative | QC Complete | 10/10/2025 | ||||||
| 900000057 | XXXX | XXXX | XXXX | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, provide a copy of replacement cost estimator is being covered by the dwelling. Resolved 10/XX/2025 - Received RCE document, condition resolved. |
Single Family | XX/XX/XXXX | 65.217% | 65.217% | Investor | Refinance | 724 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type: |
DSCR | QC Complete | 09/12/2025 | ||||||||||||
| 900000058 | XXXX | XXXX | XXXX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 725 | XXXX | 9.58 | $108,982.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.306% | No | Alternative | QC Complete | 09/25/2025 | ||||||||
| 900000059 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Preliminary title does not reflect the amount of $XXXX title insured coverage amount. provide a copy of updated supplemental report. Resolved 09/XX/2025 - Received title supplement report, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |
Single Family | XX/XX/XXXX | 65.169% | 65.169% | Investor | Refinance | 789 | XXXX | 18.25 | $23,966.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.635% | Full Documentation | QC Complete | 09/10/2025 | ||||||||
| 900000060 | XXXX | XXXX | XXXX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide business bank statements of XXXX for the month ending 1/XX/2025 as it is missing. Resolved 09/XX/2025 - Received bank statements ending with 1/XX/2025, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 732 | XXXX | 9.92 | $15,997.08 | 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 |
44.294% | No | Alternative | QC Complete | 09/10/2025 | |||||||
| 900000061 | XXXX | XXXX | XXXX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 53.125% | 53.125% | Primary | Cash Out | 728 | 6.75 | XXXX | 13.42 | $6,248.67 | 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 |
$XXXX | 48.413% | Full Documentation | QC Complete | 01/02/2026 | |||||||
| 900000063 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 56.632% | 56.632% | Primary | Refinance | 786 | 23.25 | XXXX | 24.08 | $214,806.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.538% | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000064 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 64.286% | 64.286% | Primary | Purchase | 753 | XXXX | 3.42 | $60,753.26 | 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 |
42.267% | No | Full Documentation | QC Complete | 09/12/2025 | ||||||||
| 900000067 | XXXX | XXXX | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Investor | Purchase | 789 | XXXX | 5.58 | 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 |
No | DSCR | QC Complete | 09/12/2025 | ||||||||||
| 900000069 | XXXX | XXXX | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 763 | XXXX | 10.08 | $27,866.67 | 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 |
30.247% | No | Full Documentation | QC Complete | 09/26/2025 | ||||||||
| 900000070 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 753 | XXXX | 6.33 | $9,291.66 | 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 |
47.801% | No | Full Documentation | QC Complete | 09/11/2025 | ||||||||
| 900000071 | XXXX | XXXX | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 757 | XXXX | 12.66 | $12,433.33 | 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 |
39.686% | No | Full Documentation | QC Complete | 09/24/2025 | ||||||||
| 900000072 | XXXX | XXXX | XXXX | Idaho | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Mortgage statement for the Property address XXXX. Resolved 09/XX/2025 - Received LOX as this is private mortgage and there is no mortgage statement - Received cashiers check, condition resolved. |
PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 725 | XXXX | 2.5 | $385,319.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
2.722% | No | Alternative | QC Complete | 09/11/2025 | |||||||
| 900000073 | XXXX | XXXX | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/10/2025 | ||||||||||||
| 900000074 | XXXX | XXXX | XXXX | 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 8.452% Allowed 8.250% Overby +0.202% This loan is compliant with regulation 1026.35 |
PUD | XX/XX/XXXX | 67.473% | 67.473% | Primary | Cash Out | 668 | 4.66 | XXXX | 8.33 | $157,283.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 3.582% | Alternative | QC Complete | 09/24/2025 | ||||||
| 900000076 | XXXX | XXXX | XXXX | New Hampshire | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 771 | XXXX | 35 | $16,120.96 | 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 |
48.235% | No | Full Documentation | QC Complete | 01/02/2026 | ||||||||
| 900000078 | XXXX | XXXX | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 734 | XXXX | 10.33 | $116,478.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.827% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000079 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 58.881% | 58.881% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000081 | XXXX | XXXX | XXXX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 71.500% | 71.500% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000082 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 41.803% | 41.803% | Primary | Cash Out | 697 | 26 | XXXX | 23.18 | $11,859.50 | 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 |
$XXXX | 42.616% | Alternative | QC Complete | 10/10/2025 | |||||||
| 900000083 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 50.000% | 50.000% | Investor | Purchase | 673 | XXXX | 8 | $32,766.00 | 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 |
25.460% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000084 | XXXX | XXXX | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000086 | XXXX | XXXX | XXXX | Idaho | 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 9.667% Allowed 9.110% Overby +0.557% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of CPA Letter, as it is missing. Resolved 09/XX/2025 - Received business VOE , condition resolved. *** (CURED) Transmittal (1008) is Missing - EV R COMMENT: Provide a copy of 1008, as it is missing. Resolved 09/XX/2025 - Received 1008 document, condition resolved. |
PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 734 | XXXX | 2.58 | $13,167.34 | 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 |
48.480% | No | Alternative | QC Complete | 09/12/2025 | |||||||
| 900000087 | XXXX | XXXX | XXXX | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide Hazard insurance with Lender Mortgagee Clause. Resolved 10/XX/2025 - Received HOI with mortgage clause, condition resolved. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 67.568% | 67.568% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 09/26/2025 | |||||||||||
| 900000088 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title issue - EV R COMMENT: Provide an updated title with lender loss payee clause "ISAOA/ATIMA" for the proposed name insured. Resolved 10/XX/2025 - Received Final title policy, condition resolved. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 764 | XXXX | 25.08 | $24,812.99 | 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 |
37.824% | No | Full Documentation | QC Complete | 09/26/2025 | |||||||
| 900000089 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide VOM for creditor XXXX (XXXX ) & XXXX (XXXX) to verify recent 12 months payment history. Resolved 10/XX/2025 - Received bank statement with 12 months payment history, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 795 | XXXX | 12.66 | $40,737.02 | 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 |
42.842% | No | Full Documentation | QC Complete | 09/26/2025 | |||||||
| 900000091 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 55.000% | 55.000% | Investor | Cash Out | 685 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/10/2025 | ||||||||||||
| 900000092 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 787 | XXXX | 8.08 | $73,084.94 | Mos Reviewed:24 Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
19.910% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000093 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 51.231% | 51.231% | Secondary | Refinance | 763 | XXXX | 24 | $35,262.50 | 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 |
49.562% | Full Documentation | QC Complete | 10/09/2025 | |||||||||
| 900000094 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Preliminary title does not reflect the amount of $XXXX title insured coverage amount. provide a copy of supplemental report. Resolved 10/XX/2025 - Received supplement report, condition resolved. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 723 | XXXX | 6.58 | $41,781.15 | 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 |
16.902% | No | Alternative | QC Complete | 09/24/2025 | |||||||
| 900000099 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/10/2025 | ||||||||||||
| 900000100 | XXXX | XXXX | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 768 | XXXX | 3.58 | $143,623.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.622% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000103 | XXXX | XXXX | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 731 | XXXX | 12.33 | $62,609.99 | 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 |
25.677% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000107 | XXXX | XXXX | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 775 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000108 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 749 | XXXX | 6.83 | $16,745.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.205% | Yes | Full Documentation | QC Complete | 10/09/2025 | ||||||||
| 900000110 | XXXX | XXXX | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000111 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 765 | 8.66 | XXXX | 3.25 | $73,368.17 | 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 |
$XXXX | 13.295% | Alternative | QC Complete | 10/10/2025 | |||||||
| 900000114 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Required Documentation Missing or Incomplete - EV W COMMENT: Exception for 25 DUNSFs in the past 12 months on business bank statement Occupancy explanation not accepted; loan may proceed as investment. Appraisal shows tenant occupancy. A copy of an exception approval letter is available in the loan file. |
Residual Income : $61,108.54 monthly DTI: 22.23% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 703 | XXXX | 36.58 | $78,205.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 21.861% | Alternative | QC Complete | 10/09/2025 | ||||||
| 900000116 | XXXX | XXXX | XXXX | Missouri | 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 9.733% Allowed 8.070% Overby +1.663% This loan is compliant with regulation 1026.35. |
PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 755 | XXXX | 8.66 | $72,259.18 | 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 |
8.231% | Yes | Alternative | QC Complete | 10/09/2025 | |||||||
| 900000117 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 761 | XXXX | 6.58 | $16,672.25 | 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 |
42.830% | No | Full Documentation | QC Complete | 10/10/2025 | ||||||||
| 900000118 | XXXX | XXXX | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 | XXXX | 6.25 | $12,977.32 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.469% | No | Full Documentation | QC Complete | 01/02/2026 | ||||||||
| 900000119 | XXXX | XXXX | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000122 | XXXX | XXXX | XXXX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.525% | 70.525% | Investor | Refinance | 707 | XXXX | 3.33 | $18,211.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.165% | Full Documentation | QC Complete | 10/09/2025 | |||||||||
| 900000995 | XXXX | XXXX | XXXX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final 1003 does not has LO sign - EV R COMMENT: As per loan file Final & Initial 1003 LO sign is missing . Resolved: Received 1003 with LO Signature - 08/09 |
Single Family | XX/XX/XXXX | 64.762% | 64.762% | Primary | Cash Out | 761 | 20 | XXXX | 22.41 | $6,726.62 | 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 |
$XXXX | 23.620% | Alternative | QC Complete | 08/05/2022 | ||||||
| 900001000 | XXXX | XXXX | XXXX | 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 7.413% Allowed 6.660% Over by +0.753% This loan is compliant with regulation 1026.35. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 703 | XXXX | 3 | $5,484.71 | 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 |
35.574% | Yes | Alternative | QC Complete | 01/02/2026 | |||||||
| 900001001 | XXXX | XXXX | XXXX | Idaho | 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 7.586 % Allowed 6.870% Over by +0.716%. This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The appraisal dated XX/XX/XXXX shows subject property as XXXX. According to guidelines, log home is ineligible property type. Missing exception approval letter with appropriate compensating factors. A copy of an exception approval letter has been received. |
LTV: 46.96% LTV is less than the guideline requirement of
80.00%. DTI: 38.50% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 46.964% | 46.964% | Primary | Cash Out | 778 | 5 | XXXX | 4 | $3,933.74 | 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 |
$XXXX | 38.495% | Alternative | QC Complete | 01/02/2026 | ||||
| 900001002 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title review shows no release for prior mortgage -
EV R COMMENT: Missing Satisfaction of Mortgage recorded on XX/XX/XXXX for O.R. Book: #XXXX, Page 981 reflecting on the Title report. Resolved: Final Title Policy Received on 8/XX/2022 - 8/17 *** (CURED) The Credit LOX is missing - EV R COMMENT: Following inquiry reflects on credit report: XXXX Resolved: Credit LOX received on 8/XX/2022 - 8/18 |
PUD | XX/XX/XXXX | 44.667% | 44.667% | Primary | Refinance | 680 | 4.16 | XXXX | 17 | $10,979.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.193% | Alternative | QC Complete | 08/05/2022 | |||||||
| 900001005 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 695 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/05/2022 | ||||||||||||
| 900001009 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application not signed and hand-dated by Loan
Originator - EV R COMMENT: Final 1003 and initial 1003 LO Signature missing in the application. Resolved: Received 1003 with LO Signature - 08/09 |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 775 | XXXX | 6.66 | $39,080.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.921% | No | Alternative | QC Complete | 08/05/2022 | |||||||
| 900001016 | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 799 | XXXX | 20.67 | $8,170.42 | 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 |
49.794% | No | Full Documentation | QC Complete | 08/10/2022 | ||||||||
| Removed from deal | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final 1003 does not has LO sign - EV R COMMENT: As per loan package Final & initial 1003 Lo sign missing. Resolved: Initial & Final 1003 received - 9/12 *** (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 7.359% Allowed 7.120% Over by +0.239% This loan is compliant with regulation 1026.35. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 58.824% | 58.824% | Primary | 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 | 01/02/2026 | |||||||||||
| 900001020 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: As per lending guideline (XXXX (07.07.2022 v22.3) R-JV-DTC.pdf) min FICO score is 720 and max LTV is 70%. As per loan file its FICO score is 704 and LTV is 70%. Not Resolved: Needed a new exception approval with name & signature - 9/8 A copy of an exception approval letter has been received.- 9/13 |
Length of Employment: 5 years with the same business exceeds the
minimum requirement of 2 years. Reserves: The 11 months of available reserves are more than the guideline requirement of 6 months. |
PUD | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 704 | XXXX | 2.08 | $17,045.14 | 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 |
36.337% | No | Alternative | QC Complete | 09/01/2022 | ||||||
| 900001021 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final 1003 does not has LO sign - EV R COMMENT: LO Sign missing in initial 1003. Resolved: Signed copy of 1003 received on 9/XX/2022 *** (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 8.785% Allowed 7.110% Over by +1.675% This loan is compliant with regulation 1026.35. |
PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 745 | XXXX | 2.83 | $14,513.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.002% | No | Alternative | QC Complete | 05/14/2025 | |||||||
| 900001022 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 62.338% | 62.338% | Investor | Purchase | 731 | XXXX | 11.42 | $7,121.03 | 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 |
14.308% | No | Alternative | QC Complete | 09/15/2022 | ||||||||
| 900001026 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 2 | 1 | 1 | 2 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV 2 COMMENT: As Per Preliminary Title Policy Amount of Title insurance is $XXXX which is less than mortgage amount of $XXXX. Amount of insurance does not meet loan amount, Required final title policy. Resolved: 8/XX/2022 - Final Title Policy received. *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV 2 COMMENT: TRID Violation due to 10% of Title State required contingence fee, Title electronic recording fee, Title Sub-escrow fee, Title Courier fee, Title Endorsement fee, Title Wire transfer fee and Recording fee increase on Final CD dated 07/XX/2022. Initial LE dated 06/XX/2022 reflects 10% fees totaling $1674.00, however, Final CD dated 07/XX/2022 reflects $2251.00. This is a fee increase of $410.10 which exceeds the 10% tolerance. Please provide either a valid COC or PCCD, LOE, proof of delivery, copy of refund check to cure the tolerance amount of $410.10. Cured 8/XX/2022 : Received PCCD document and updated, hence condition cleared. |
PUD | XX/XX/XXXX | 37.222% | 37.222% | Primary | Purchase | 816 | XXXX | 45.42 | $9,264.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.873% | No | Full Documentation | QC Complete | 08/04/2022 | |||||||
| 900001027 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final 1003 does not has LO sign - EV R COMMENT: In final 1003 LO signature missing in the loan package. Resolved - 1003 Received with LO signature - 08/09 *** (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 7.030% Allowed 6.200% Over by +0.830% This loan is compliant with regulation 1026.35. *** (CURED) Misrepresentation of Housing History - EV R COMMENT: As per lending guide minimum 2 years housing history is required. However in final 1003 years in current home is mentioned as "0" years for the current property "XXXX" . Needed Corrected 1003 with housing history Note: Transaction is refinance of primary residence. Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned. Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned. 8/XX/2022 Resolved: LOX received on 08/XX/2022 stating that borrower is moved to current address in 60 days - 08/19 *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: (CA AB 260, California Financial Code Division 1.94995(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 7.030% Allowed 6.200% Over by +0.830% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.94995(a) |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 43.250% | 43.250% | Primary | Refinance | 778 | 2 | XXXX | 0.33 | $6,149.77 | 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 |
32.481% | Full Documentation | QC Complete | 05/14/2025 | |||||||
| 900000126 | XXXX | XXXX | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 08/12/2025 | ||||||||||||
| 900000127 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
No | DSCR | QC Complete | 09/11/2025 | ||||||||||||
| 900000129 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 56.966% | 56.966% | Primary | Cash Out | 739 | 2 | XXXX | 7.41 | $16,809.13 | 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 |
$XXXX | 42.108% | Alternative | QC Complete | 08/12/2025 | |||||||
| 900000139 | XXXX | XXXX | XXXX | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025: Resolved as per the updated guidelines not require UDM. |
Single Family | XX/XX/XXXX | 45.276% | 45.276% | Primary | Refinance | 770 | 1.83 | XXXX | 23.58 | $13,511.33 | 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 |
38.204% | Full Documentation | QC Complete | 09/23/2025 | |||||||
| 900000143 | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 725 | 5 | XXXX | 7.08 | $38,687.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 26.562% | Alternative | QC Complete | 09/17/2025 | ||||||
| 900000144 | XXXX | XXXX | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/07/2025 | ||||||||||||
| 900000150 | XXXX | XXXX | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 723 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000151 | XXXX | XXXX | XXXX | 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 $XXXX on the Title Commitment is less than the loan amount $XXXX Resolved 10/XX/2025 - Received Final title policy, condition resolved. *** (CURED) Title issue - EV R COMMENT: The subject transaction closed in the name of a trust; however, the file does not contain an executed and notarized copy of the underwriter and title-approved Trust Certification. 10/XX/2025 Resolved: The copy of Trust cert resolves the condition. |
Single Family | XX/XX/XXXX | 17.447% | 17.447% | Primary | Cash Out | 806 | 25 | $10,583.08 | 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 |
$XXXX | 17.115% | Alternative | QC Complete | 10/01/2025 | ||||||||
| 900000152 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000156 | XXXX | XXXX | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000158 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/07/2025 | ||||||||||||
| 900000159 | XXXX | XXXX | XXXX | Maryland | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Credit: Housing payment history Requesting exception to permit $XXXX loan amount for 75% LTV A copy of an exception approval letter is available in the loan file. |
FICO: 772 FICO exceeds the guideline requirement of 720. DSCR: 1.59 DSCR exceeds the guideline requirement of 1.00. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 |
$XXXX | DSCR | QC Complete | 10/07/2025 | ||||||||||
| 900000161 | XXXX | XXXX | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 790 | XXXX | 23.33 | $23,006.56 | 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 |
19.413% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000162 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 763 | XXXX | 13.75 | $18,021.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.353% | No | Full Documentation | QC Complete | 01/02/2026 | ||||||||
| 900000167 | XXXX | XXXX | XXXX | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provided updated final application with change in intended occupancy for property address "XXXX" from primary residence to investment. Resolved 09/XX/2025 - Received corrected 1003, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing lease agreement for property address XXXX Resolved 09/XX/2025 - Received Lease agreement for unit 2, condition resolved. |
4 Family | XX/XX/XXXX | 81.716% | 81.716% | Investor | Purchase | 788 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/17/2025 | |||||||||||
| 900000168 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 787 | XXXX | 6.33 | $19,353.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.474% | No | Alternative | QC Complete | 10/15/2025 | ||||||||
| 900000171 | XXXX | XXXX | XXXX | Montana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Initial LE - EV R COMMENT: Missing Initial Loan Estimate. Resolved 10/XX/2025: Received Initial Loan Estimate dated 09/XX/2025 and exception is cleared. |
Single Family | XX/XX/XXXX | 62.000% | 62.000% | Primary | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/10/2025 | |||||||||||
| 900000175 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/23/2025 | ||||||||||||
| 900000176 | XXXX | XXXX | XXXX | Arkansas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the evidence wire receipt for the gift amount of $100,000.00, as it is missing. Resolved 10/XX/2025 - Received wire receipt for $100,000.00, condition resolved. |
PUD | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/30/2025 | |||||||||||
| 900000177 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to waive 2nd appraisal due to flipping Seller obtained property 4/2025 and contract signed 5/2025 A copy of an exception approval letter is available in the loan file. |
DTI: 20.51% DTI is less than the maximum guideline requirement
of 50.00%. LTV: 80.00% LTV is less than the guideline requirement of 90.00%. FICO: 728 FICO exceeds the guideline requirement of 720. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 728 | XXXX | 1.67 | $9,316.00 | 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 |
37.934% | No | Alternative | QC Complete | 10/13/2025 | ||||||
| 900000180 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/16/2025 | ||||||||||||
| 900000186 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 777 | XXXX | 0.25 | $14,411.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.701% | No | Alternative | QC Complete | 09/30/2025 | ||||||||
| 900000190 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXXX as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Waive 2nd full appraisal for loan amount >$1.5mil. A copy of an exception approval letter is available in the loan file. |
FICO: 793 FICO exceeds the guideline requirement of 700. Residual Income: $32,560.94 monthly. DTI: 33.63% DTI is less than the maximum guideline requirement of 50.00%. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 58.660% | 58.660% | Primary | Refinance | 793 | 1.5 | XXXX | 8.66 | $49,056.97 | 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 |
33.626% | Alternative | QC Complete | 09/16/2025 | |||||
| 900000195 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 49.524% | 49.524% | Secondary | Cash Out | 760 | XXXX | 16.16 | $2,470.00 | 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 |
$XXXX | 46.491% | Alternative | QC Complete | 10/09/2025 | ||||||||
| 900000198 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000199 | XXXX | XXXX | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 763 | XXXX | 2.08 | $7,111.50 | 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 |
39.963% | No | Full Documentation | QC Complete | 09/24/2025 | ||||||||
| 900000212 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 66.667% | 66.667% | Primary | Purchase | 800 | XXXX | 2.66 | $3,695.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.489% | No | Full Documentation | QC Complete | 10/13/2025 | ||||||||
| 900000214 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 730 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000216 | XXXX | XXXX | XXXX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/24/2025 | ||||||||||||
| 900000221 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 788 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000225 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000226 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 730 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/10/2025 | ||||||||||||
| 900000227 | XXXX | XXXX | XXXX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/23/2025 | ||||||||||||
| 900000230 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000231 | XXXX | XXXX | XXXX | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX Resolved 10/XX/2025 - Received supplement report, condition resolved. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 747 | $20,152.79 | 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 |
49.214% | No | Alternative | QC Complete | 09/29/2025 | |||||||||
| 900000235 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 764 | XXXX | 4.67 | $54,725.68 | 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 |
46.131% | No | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000240 | XXXX | XXXX | XXXX | Texas | 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 8.659% Allowed 8.130% Overby +0.529% This loan is compliant with regulation 1026.35. |
Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 648 | 16 | XXXX | 2.58 | $9,079.25 | 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 |
$XXXX | 35.539% | Alternative | QC Complete | 10/10/2025 | ||||||
| 900000243 | XXXX | XXXX | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 721 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/01/2025 | ||||||||||||
| 900000250 | XXXX | XXXX | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 736 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/16/2025 | ||||||||||||
| 900000253 | XXXX | XXXX | XXXX | Kentucky | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/08/2025 | ||||||||||||
| 900000254 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 669 | XXXX | 4.33 | $6,709.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.127% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000255 | XXXX | XXXX | XXXX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 36.000% | 36.000% | Primary | Refinance | 776 | 0.08 | XXXX | 2.5 | $142,713.76 | 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 |
5.903% | Alternative | QC Complete | 09/16/2025 | |||||||
| 900000258 | XXXX | XXXX | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 61.563% | 61.563% | Primary | Purchase | 782 | XXXX | 4.66 | $4,418.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.013% | No | Full Documentation | QC Complete | 10/09/2025 | ||||||||
| 900000262 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 55.000% | 55.000% | Primary | Refinance | 727 | 1.16 | XXXX | 32.58 | $204,218.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.872% | Alternative | QC Complete | 09/16/2025 | |||||||
| 900000267 | XXXX | XXXX | XXXX | New Jersey | 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 8.609% Allowed 8.130% Overby +0.479% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower is non-permanent resident. Only an EAD provided and shows category C-09 A copy of an exception approval letter is available in the loan file. |
FICO: 734 FICO exceeds the guideline requirement of 720. Reserves: The 55 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 734 | XXXX | 3.25 | $11,070.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.909% | Yes | Alternative | QC Complete | 09/29/2025 | |||||
| 900000269 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 797 | XXXX | 15.66 | $24,904.79 | 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 |
48.220% | No | Alternative | QC Complete | 09/24/2025 | ||||||||
| 900000270 | XXXX | XXXX | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 | XXXX | 17.58 | $279,824.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.816% | No | Alternative | QC Complete | 10/08/2025 | ||||||||
| 900000271 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 654 | XXXX | 7.5 | $300,674.97 | 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 |
3.549% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000278 | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the proof document for the subordinate lien (second mortgage principal and interest) amounting to $3,000. Resolved 09/XX/2025 - Received LOX as $3000 is removed from the DTI calculation, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 65.625% | 65.625% | Primary | Purchase | 787 | XXXX | 5 | $20,646.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.614% | No | Alternative | QC Complete | 09/12/2025 | |||||||
| 900000280 | XXXX | XXXX | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX,) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 66.346% | 66.346% | Primary | Refinance | 738 | 2 | XXXX | 15.58 | $14,837.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.948% | Alternative | QC Complete | 09/18/2025 | |||||||
| 900000286 | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Single family with 2 ADUs A copy of an exception approval letter is available in the loan file. |
LTV: 56.44% LTV is less than the guideline requirement of
85.00%. FICO: 711 FICO exceeds the guideline requirement of 700. DTI: 38.51% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 56.436% | 56.436% | Primary | Cash Out | 711 | 18 | XXXX | 7.33 | $6,189.17 | 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 |
$XXXX | 38.510% | Alternative | QC Complete | 01/02/2026 | |||||
| 900000287 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000288 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 749 | XXXX | 10 | $44,951.69 | 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 |
16.938% | No | Alternative | QC Complete | 10/15/2025 | ||||||||
| 900000291 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX. Provide a copy of updated RCE to cover the dwelling amount. Resolved 09/XX/2025 - Received RCE document, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM report for borrower (XXXX) as it is required by the lender guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 741 | XXXX | 5.5 | $15,977.58 | 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 |
45.955% | Yes | Alternative | QC Complete | 09/11/2025 | |||||||
| 900000292 | XXXX | XXXX | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 788 | XXXX | 10.08 | $17,416.68 | 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 |
47.576% | No | Full Documentation | QC Complete | 09/29/2025 | ||||||||
| 900000293 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 790 | XXXX | 0.16 | $11,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.351% | Yes | Full Documentation | QC Complete | 09/17/2025 | |||||||
| 900000296 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 73.621% | 73.621% | Primary | Refinance | 787 | 1.16 | XXXX | 15.16 | $15,123.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.873% | Alternative | QC Complete | 09/16/2025 | ||||||||
| 900000299 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 43.164% | 43.164% | Primary | Cash Out | 736 | 15.92 | XXXX | 43.92 | $83,859.00 | 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 |
$XXXX | 9.723% | Alternative | QC Complete | 01/02/2026 | |||||||
| 900000300 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 781 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/16/2025 | ||||||||||||
| 900000301 | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 51.563% | 51.563% | Primary | Purchase | 776 | XXXX | 1 | $6,704.70 | 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 |
39.431% | No | Full Documentation | QC Complete | 10/06/2025 | ||||||||
| 900000303 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: First time homebuyer living rent free for 4 years as borrower lives rent free at subject property. A copy of an exception approval letter is available in the loan file. |
FICO: 797 FICO exceeds the guideline requirement of 780. LTV: 66.67% LTV is less than the guideline requirement of 70.00%. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 66.667% | 66.667% | Primary | Purchase | 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 |
No | Alternative | QC Complete | 01/02/2026 | ||||||||||
| 900000304 | XXXX | XXXX | XXXX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 760 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/15/2025 | ||||||||||||
| 900000305 | XXXX | XXXX | XXXX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 793 | XXXX | 4.91 | $27,410.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.519% | No | Full Documentation | QC Complete | 10/09/2025 | ||||||||
| 900000309 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Cash Out | 747 | XXXX | 11.33 | $547,712.06 | 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 |
$XXXX | 4.602% | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000310 | XXXX | XXXX | XXXX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 67.032% | 67.032% | Primary | Refinance | 806 | 2 | XXXX | 8.05 | $13,536.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.598% | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000318 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/16/2025 | ||||||||||||
| 900000327 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 55.333% | 55.333% | Primary | Purchase | 801 | $10,339.97 | 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 |
22.418% | No | Alternative | QC Complete | 09/30/2025 | ||||||||||
| 900000334 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX. Resolved 10/XX/2025 - Received Supplement report, condition resolved. |
Single Family | XX/XX/XXXX | 79.487% | 79.487% | Investor | Refinance | 808 | $21,934.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.785% | Alternative | QC Complete | 09/26/2025 | ||||||||||
| 900000342 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: The lease agreement on file for XXXX expired on 05/XX/2025. Provide a valid, un expired version. Resolved 10/XX/2025 - Received LOE stating the tenant completed one full year in rent and now moved to month to month lease, condition resolved. |
Single Family | XX/XX/XXXX | 61.397% | 61.397% | 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:Credit Report |
$XXXX | DSCR | QC Complete | 09/29/2025 | |||||||||||
| 900000343 | XXXX | XXXX | XXXX | 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 8.753% Allowed 8.040% Overby +0.713%. This loan is compliant with regulation 1026.35 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide proof of Installment account Affirm in the amount of $816.00. Resolved 10/XX/2025 - Received Client LOX as " several payments to affirm were found on the bank statement. It is acceptable to add to DTI when found on the bank statement and nothing else is needed, condition resolved. |
PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 720 | XXXX | 5.66 | $32,835.68 | 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 |
31.807% | No | Alternative | QC Complete | 09/29/2025 | |||||||
| 900000346 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 796 | XXXX | 36.66 | $41,468.22 | 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 |
22.899% | No | Alternative | QC Complete | 09/29/2025 | ||||||||
| 900000347 | XXXX | XXXX | XXXX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of CPA letter with expense ratio. Resolved 09/XX/2025 - Received CPA letter, condition resolved. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 759 | XXXX | 2.5 | $13,844.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
29.197% | Yes | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000353 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 792 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | DSCR | QC Complete | 10/15/2025 | ||||||||||||
| 900000365 | XXXX | XXXX | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 55.504% | 55.504% | Investor | Refinance | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 09/23/2025 | |||||||||||||
| 900000376 | XXXX | XXXX | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000385 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide master policy with borrower name and unit number. Resolved 10/XX/2025 - Property is 2-4 family, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing condo questionnaire. Resolved 10/XX/2025 - Received LOX as condo questionnaire is not required for 3 units property, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 738 | XXXX | 40 | $34,287.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.838% | No | Alternative | QC Complete | 09/30/2025 | |||||||
| 900000388 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 61.364% | 61.364% | Investor | Cash Out | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000392 | XXXX | XXXX | XXXX | 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 $XXXX of preliminary title insurance is not covering the loan amount $XXXX. Provide a copy of supplemental title insurance which covers the loan amount. Resolved 09/XX/2025 - Received title short form policy, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 712 | 14 | XXXX | 14.83 | $43,151.15 | 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 |
$XXXX | 11.970% | Alternative | QC Complete | 09/16/2025 | ||||||
| 900000394 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 64.072% | 64.072% | Primary | Purchase | 787 | XXXX | 19.66 | $38,125.17 | 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 |
26.422% | No | Alternative | QC Complete | 10/10/2025 | ||||||||
| 900000414 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 797 | XXXX | 2.83 | $12,745.00 | 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 |
21.081% | No | Full Documentation | QC Complete | 09/16/2025 | |||||||
| 900000417 | XXXX | XXXX | XXXX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of $XXXX Resolved 09/XX/2025 - Received title short form policy, condition resolved. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 09/12/2025 | |||||||||||
| 900000425 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 754 | XXXX | 13.58 | $9,839.96 | 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 |
49.634% | No | Full Documentation | QC Complete | 10/10/2025 | ||||||||
| 900000427 | XXXX | XXXX | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 54.217% | 54.217% | Primary | Refinance | 799 | 1 | XXXX | 3.33 | $9,547.21 | 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 |
20.149% | Alternative | QC Complete | 10/10/2025 | ||||||||
| 900000431 | XXXX | XXXX | XXXX | Louisiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a legible copy of Govt identity proof as it is missing. Resolved 06/XX/2025 - Received GOV ID, condition resolved. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of E&O insurance policy as it is missing. Resolved 06/XX/2025 - Received Appraisal report with E&O Policy, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: 1003 Correction required for primary residence XXXX address reflecting investment in REO section. Resolved 06/XX/2025 - Received Corrected 1003 application, condition resolved. |
Single Family | XX/XX/XXXX | 74.848% | 74.848% | Investor | Cash Out | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 06/09/2025 | |||||||||||
| 900000434 | XXXX | XXXX | XXXX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 786 | XXXX | 14.25 | $90,018.78 | 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 |
20.580% | No | Alternative | QC Complete | 09/17/2025 | ||||||||
| 900000436 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Intent to Proceed Missing - EV R COMMENT: Missing Intent to Proceed. Resolved 09/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. Gap report present in file dated 07/XX/2025 before closing date 08/XX/2025 Resolved 09/XX/2025 - UDM Report is not required from client, condition resolved. |
*** (WAIVED) Cash Out Amount Exceeds Guidelines - EV W COMMENT: The cash-out amount for the subject property is $XXXX, which exceeds the maximum allowable cash-out limit of $500,000 for loans with an LTV greater than 60%. The current LTV is 63.29%. A copy of an exception approval letter has been received. *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: 11 NSFs vs permitted 6- The borrower owns a construction company that requires projects to meet their deadlines. Outstanding accounts receivables are paid personally by the borrower if the client does not pay their invoices on time. These big companies that work with him will pay him back but they do take time so he takes it upon himself to complete the projects in a timely manner, ensuring his credibility. A copy of an exception approval letter is available in the loan file. |
LTV: 63.28% is lower than the maximum guideline requirement of
80.00%. DTI: 24.34& is lower than the maximum guideline requirement of 50.00%. Reserves: 71 months of available reserves are more than the guideline requirement of 6 months. DTI: 24.34% DTI is less than the maximum guideline requirement of 50.00%. LTV: 63.29% LTV is less than the guideline requirement of 75.00%. FICO: 690 FICO exceeds the guideline requirement of 680. |
PUD | XX/XX/XXXX | 63.288% | 63.288% | Primary | Cash Out | 690 | 11.08 | XXXX | 6.25 | $64,829.29 | 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 |
$XXXX | 24.336% | Alternative | QC Complete | 09/12/2025 | ||||
| 900000442 | XXXX | XXXX | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 748 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 10/01/2025 | |||||||||||||
| 900000443 | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Credit history does not meet guidelines - EV R COMMENT: Provide a rent-free letter signed by the borrower and their relative. Resolved 10/XX/2025 - Received LOX as " a rent-free letter from the borrowers relative is not required as the borrower is not a first time home buyer", condition resolved. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 669 | XXXX | 9.91 | $20,716.19 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.843% | No | Alternative | QC Complete | 09/30/2025 | |||||||
| 900000445 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 688 | XXXX | 23.5 | $29,558.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.854% | No | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000450 | XXXX | XXXX | XXXX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 73.385% | 73.385% | Primary | Refinance | 755 | 1.66 | XXXX | 4.66 | $4,778.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.926% | Alternative | QC Complete | 10/15/2025 | ||||||||
| 900000451 | XXXX | XXXX | XXXX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 812 | XXXX | 30.58 | $11,984.12 | 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 |
11.119% | Yes | Full Documentation | QC Complete | 10/10/2025 | ||||||||
| 900000454 | XXXX | XXXX | XXXX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documents for cash gift $200,000 as it is missing. Resolved 10/XX/2025 - Received LOX as " the gift ended up only being $50,000 and it is updated in system " however sufficient assets are available to cover the requirements, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of mortgage statement for the "XXXX" property as it is missing. Resolved 10/XX/2025 - Received credit report with payment and the data verify report with property address, condition resolved. |
PUD | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 724 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/30/2025 | |||||||||||
| 900000455 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 773 | XXXX | 4 | $54,943.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.714% | No | Alternative | QC Complete | 10/01/2025 | ||||||||
| 900000458 | XXXX | XXXX | XXXX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/08/2025 | ||||||||||||
| 900000460 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: 20% Non-incidental Income on a condotel A copy of an exception approval letter is available in the loan file. |
Reserves: The 9 months of available reserves are more than the
guideline requirement of 3 months. FICO: 809 FICO exceeds the guideline requirement of 700. LTV: 80% LTV is less than the guideline requirement of 85.00%. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 809 | XXXX | 2.41 | $21,468.74 | 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 |
37.420% | No | Full Documentation | QC Complete | 10/10/2025 | ||||||
| 900000461 | XXXX | XXXX | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 792 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 09/30/2025 | ||||||||||||
| 900000462 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 749 | XXXX | 7.58 | $116,420.47 | 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 |
$XXXX | 14.389% | Alternative | QC Complete | 10/15/2025 | ||||||||
| 900000469 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Refinance | 787 | 0.92 | XXXX | 2.42 | $16,774.88 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.199% | Alternative | QC Complete | 10/01/2025 | ||||||||
| 900000472 | XXXX | XXXX | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/16/2025 | ||||||||||||
| 900000473 | XXXX | XXXX | XXXX | 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 8.646% Allowed 7.820% Overby +0.826% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing proof for (tax, insurance, or HOA fee) for REO property address XXXX in the amount of $650.00. Resolved 10/XX/2025 - Property was included to show the borrower was not a first time homebuyer however the property is owned through her business as per tax bill in file and borrower is not personally obligated on debt. LOX provided condition resolved. |
PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 752 | XXXX | 2.66 | $24,297.90 | 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 |
27.654% | No | Alternative | QC Complete | 10/07/2025 | |||||||
| 900000476 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 800 | XXXX | 28.58 | $325,956.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.877% | No | Alternative | QC Complete | 09/25/2025 | ||||||||
| 900000477 | XXXX | XXXX | XXXX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of UDM report as it is missing 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 36.842% | 36.842% | Primary | Cash Out | 783 | 3.58 | 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 |
$XXXX | Alternative | QC Complete | 09/16/2025 | ||||||||||
| 900000482 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 739 | XXXX | 2.92 | $7,748.00 | 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 |
37.094% | Yes | Full Documentation | QC Complete | 10/07/2025 | ||||||||
| 900000486 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 72.093% | 72.093% | Primary | Purchase | 721 | XXXX | 1.25 | $17,754.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.286% | No | Full Documentation | QC Complete | 09/23/2025 | |||||||
| 900000488 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Non Perm resident alien category C-09P vs reviewed on a file by file basis A copy of an exception approval letter is available in the loan file. |
FICO: 722 FICO exceeds the guideline requirement of 700. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. DTI: 21.17% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 722 | XXXX | 2.33 | $35,747.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.160% | Yes | Alternative | QC Complete | 09/23/2025 | |||||
| 900000490 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/13/2025 | ||||||||||||
| 900000491 | XXXX | XXXX | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 743 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/23/2025 | ||||||||||||
| 900000494 | XXXX | XXXX | XXXX | 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 7.895% Allowed 7.700% Over by +0.195% This loan is compliant with regulation 1026.35. *** (CURED) Missing Initial Closing Disclosure - EV R COMMENT: Loan file is missing initial closing disclosure. Require initial closing disclosure and all applicable COC. Resolved 09/XX/2022 : Received Initial Closing Disclosure dated XX/XX/XXXX and updated, hence condition cleared. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of 'Loan Score Card' for pass details of Borrower 1 (XXXX) . Resolved: Loan Score card received - 9/15 *** (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 7.895% Allowed 6.700% Over by +1.195% This loan is compliant with regulation MA 209 CMR 32.35. *** (CURED) 10% Tolerance Fees test fail - EV R COMMENT: TRID Violation due to 10% of Title & Insurance Services increased $29.20 on Post Closing CD dated XX/XX/XXXX. Initial LE dated 07/XX/2022 reflects totaling $3,818.00, however Post Close CD dated XX/XX/XXXX reflects $4,229.00. Need a LOE, proof of delivery, and copy of the refund check to cure the tolerance amount of $29.20. Below are the fees which changed from Initial LE to PCCD 1) Survey Fee : $0.00 to $150.00 2) Title Document preparation Fee : $0.00 to $400.00 3) Recording Fee : $443.00 to $479.00 Resolved 09/XX/2022 : Received COC document and updated, hence condition cleared. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 793 | XXXX | 25.92 | $56,536.00 | 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 |
25.647% | No | Alternative | QC Complete | 01/02/2026 | |||||||
| 900000496 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 806 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000506 | XXXX | XXXX | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 792 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000511 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 750 | XXXX | 11.33 | $58,066.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.625% | Yes | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000512 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/15/2025 | ||||||||||||
| 900000514 | XXXX | XXXX | XXXX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 799 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000516 | XXXX | XXXX | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 74.805% | 74.805% | Investor | Refinance | 759 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 09/29/2025 | |||||||||||||
| 900000517 | XXXX | XXXX | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 78.420% | 78.420% | Investor | Refinance | 724 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 10/16/2025 | |||||||||||||
| 900000521 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of government ID for the borrower (XXXX) as it is missing. Resolved 10/XX/2025 - Received GOV ID, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of lease agreement for the subject property as it is missing. Resolved 09/XX/2025 - Received lease agreement for subject property, condition resolved. |
3 Family | XX/XX/XXXX | 80.000% | 80.000% | 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:Verification of Rent |
Yes | DSCR | QC Complete | 09/25/2025 | |||||||||||
| 900000525 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Tax certificate. Resolved 10/XX/2025 - Received tax information form, condition resolved. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 722 | $29,969.18 | 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 |
28.045% | No | Alternative | QC Complete | 09/30/2025 | |||||||||
| 900000526 | XXXX | XXXX | XXXX | Alaska | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Property Eligibility for XXXX. A copy of an exception approval letter is available in the loan file. |
DSCR: 1.66 DSCR exceeds the guideline requirement of 1.00. FICO: 791 FICO exceeds the guideline requirement of 660. Reserves: The 113 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | XX/XX/XXXX | 71.084% | 71.084% | Investor | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/14/2025 | ||||||||||
| 900000530 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 63.846% | 63.846% | Primary | Refinance | 663 | 3.33 | XXXX | 4.5 | $12,057.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.645% | Alternative | QC Complete | 10/01/2025 | ||||||||
| 900000532 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide VOR to verify recent 12 months payment history for borrower current residence (XXXX) with rent $1,536.00. Resolved 10/XX/2025 - Received VOR proof, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: An exception using 75% of company assets for reserves instead of 100% A copy of an exception approval letter is available in the loan file. |
FICO: 752 FICO exceeds the guideline requirement of 700. Residual Income: $5,573.97 monthly. DTI: 43.95% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 752 | XXXX | 5.58 | $5,573.97 | 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 |
43.949% | Yes | Alternative | QC Complete | 09/29/2025 | |||||
| 900000534 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for FTHB with loan amount $XXXX vs max XXXX. A copy of an exception approval letter is available in the loan file. |
FICO: 785 FICO exceeds the guideline requirement of 740. DTI: 6.59% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 41 months of available reserves are more than the guideline requirement of 9 months. |
PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 785 | XXXX | 27.08 | $393,621.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.591% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||
| 900000537 | XXXX | XXXX | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 723 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | DSCR | QC Complete | 09/25/2025 | ||||||||||||
| 900000538 | XXXX | XXXX | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/24/2025 | ||||||||||||
| 900000545 | XXXX | XXXX | XXXX | 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 8.157% Allowed 7.720% Overby +0.437% This loan is compliant with regulation 1026.35. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 663 | XXXX | 5.66 | $28,265.74 | 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 |
44.038% | No | Alternative | QC Complete | 10/09/2025 | |||||||
| 900000552 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 79.739% | 79.739% | Secondary | Cash Out | 775 | XXXX | 11 | $48,271.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 30.010% | Alternative | QC Complete | 09/09/2025 | |||||||
| 900000561 | XXXX | XXXX | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 783 | XXXX | 39.16 | $20,731.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.674% | No | Full Documentation | QC Complete | 01/02/2026 | ||||||||
| 900000562 | XXXX | XXXX | XXXX | North Carolina | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplementary report to cover the cover the loan amount $XXXX. Resolved 07/XX/2025 - Received title report with insured amount, 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 9.171% Allowed 8.370% Overby +0.801%. This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The borrower has been living rent-free for 5 years, which exceeds the guidelines for 12-month limit for first-time homebuyers (FTHB). A copy of an exception approval letter is available in the loan file. |
FICO: 725 FICO exceeds the guideline requirement of 700. Residual Income: $62,234.51 monthly. DTI: 6.88% DTI is less than the maximum guideline requirement of 50.00%. |
4 Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 725 | XXXX | 5 | $66,832.76 | 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 |
6.143% | Yes | Alternative | QC Complete | 06/17/2025 | |||||
| 900000569 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Gift source ($16,000.00) is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received). Resolved 09/XX/2025 - Received gift wire, condition resolved. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 | XXXX | 8.5 | $37,223.69 | 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 |
48.782% | No | Alternative | QC Complete | 09/24/2025 | |||||||
| 900000571 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 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 |
$XXXX | DSCR | QC Complete | 09/30/2025 | ||||||||||||
| 900000572 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 787 | XXXX | 2.58 | $75,464.05 | 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 |
12.470% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000573 | XXXX | XXXX | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 799 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/07/2025 | ||||||||||||
| 900000577 | XXXX | XXXX | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 736 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/13/2025 | ||||||||||||
| 900000579 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: XXXX card missing in the package ,provide a copy of XXXX card. Resolved: XXXX received - 9/13 |
Single Family | XX/XX/XXXX | 47.097% | 47.097% | Primary | Refinance | 740 | 20.25 | XXXX | 22.58 | $31,793.00 | 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 |
22.211% | Alternative | QC Complete | 09/09/2022 | |||||||
| 900000583 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 794 | XXXX | 9 | $123,856.75 | 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 |
26.153% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000588 | XXXX | XXXX | XXXX | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 55.706% | 55.706% | Primary | Refinance | 795 | 2.83 | XXXX | 43.5 | $7,329.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.251% | Alternative | QC Complete | 09/09/2025 | |||||||
| 900000590 | XXXX | XXXX | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/16/2025 | ||||||||||||
| 900000591 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 69.202% | 69.202% | Investor | Refinance | 705 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 09/17/2025 | |||||||||||||
| 900000592 | XXXX | XXXX | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 |
$XXXX | DSCR | QC Complete | 10/08/2025 | ||||||||||||
| 900000593 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 704 | 1.25 | XXXX | 5.5 | $64,493.92 | 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 |
$XXXX | 32.808% | Alternative | QC Complete | 09/18/2025 | ||||||
| 900000595 | XXXX | XXXX | XXXX | Nevada | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Not Resolved 09/XX/2025: Received revised Closing disclosure dated XX/XX/XXXX, instead of Initial Closing disclosure. XX/XX/XXXX revised closing disclosure already available in loan package and updated. Not Resolved 10/XX/2025: Received revised Closing disclosure dated XX/XX/XXXX, instead of Initial Closing disclosure. XX/XX/XXXX revised closing disclosure already available in loan package and updated. Resolved 10/XX/2025: Received LOE for Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to permit FICO 716 vs minimum 740. A copy of an exception approval letter is available in the loan file. |
DTI: 27.90% DTI is less than the maximum guideline requirement
of 50.00%. LTV: 66.52% LTV is less than the guideline requirement of 70.00%. Residual Income: $82,039.38 monthly. |
PUD | XX/XX/XXXX | 66.524% | 66.524% | Primary | Refinance | 716 | 0.42 | XXXX | 3.58 | $113,788.56 | 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 |
27.902% | Alternative | QC Complete | 09/12/2025 | |||||
| 900000597 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/23/2025 | ||||||||||||
| 900000598 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/13/2025 | ||||||||||||
| 900000599 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Cash Out Amount Exceeds Guidelines - EV W COMMENT: Maximum cash out allowed by guideline is $500,000.00. Cash to borrower as per final CD reflecting $XXXX. A copy of an exception approval letter has been received. *** (WAIVED) Loan does not conform to program guidelines - EV W COMMENT: Loan amount $XXXX exceeding the guideline maximum loan amount $XXX. A copy of an exception approval letter is available in the loan file. |
DTI: 17.14% is lower than the maximum guideline requirement of
50.00%. Reserves: 31 months of available reserves are more than the guideline requirement of 12 months. FICO: 781 exceeds the minimum FICO requirement of 780. Credit score: Borrower FICO 780 exceeds guideline minium FICO 720. DTI : Borrower DTI 35% is less than maximum guideline DTI 50%. Reserves: Borrower has surplus reserves of $500,000.00. |
Single Family | XX/XX/XXXX | 69.697% | 69.697% | Primary | Cash Out | 781 | 23 | XXXX | 2.33 | $80,637.00 | 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 |
$XXXX | 14.237% | Alternative | QC Complete | 09/24/2025 | |||||
| 900000602 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Purchase Contract - EV R COMMENT: Missing Purchase contract with sale price of $XXXX Resolved 09/XX/2025 - Received updated purchase contract, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: 80% LTV for $XXXX vs max 75% LTV for $XXXX per guidelines A copy of an exception approval letter is available in the loan file. |
FICO: 806 FICO exceeds the guideline requirement of 740. DTI: 2.18% DTI is less than the maximum guideline requirement of 50.00%. |
High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 806 | XXXX | 8.41 | $1,504,336.59 | 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 |
2.182% | No | Alternative | QC Complete | 01/02/2026 | |||||
| 900000603 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 69.625% | 69.625% | Primary | Cash Out | 792 | 0.33 | XXXX | 6 | $19,893.34 | 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 |
$XXXX | 43.165% | Full Documentation | QC Complete | 09/25/2025 | |||||||
| 900000604 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Preliminary title does not reflect the amount of $xx title insured coverage amount. provide a copy of the supplemental report. Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 744 | 17 | XXXX | 33.25 | $10,083.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 49.884% | Alternative | QC Complete | 10/08/2025 | ||||||
| 900000608 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 41.221% | 41.221% | Primary | Cash Out | 685 | 20.08 | XXXX | 30.5 | $19,718.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 44.678% | Alternative | QC Complete | 09/23/2025 | ||||||
| 900000613 | XXXX | XXXX | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 704 | XXXX | 9 | $18,308.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.631% | No | Alternative | QC Complete | 09/29/2025 | ||||||||
| 900000614 | XXXX | XXXX | XXXX | Hawaii | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: The guidelines specify a maximum land area of 20 acres. However, the subject property in the loan file has a land area of XXXX acres, which exceeds the allowable limit and does not meet eligibility requirements. Resolved 10/XX/2025 - Received lender response as " These are town houses and the total project is XXXX acres and it's XXXX units per acre, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 72.727% | 72.727% | Secondary | 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 | 10/08/2025 | |||||||||||
| 900000616 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/26/2025 | ||||||||||||
| 900000619 | XXXX | XXXX | XXXX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 784 | XXXX | 10.16 | $12,843.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.913% | No | Full Documentation | QC Complete | 09/30/2025 | ||||||||
| 900000624 | XXXX | XXXX | XXXX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Bank statement #XXXX XXXX of the month September 2024. Resolved 09/XX/2025 - Received bank statement for September month, condition resolved. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 732 | XXXX | 6.67 | $46,947.00 | 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 |
28.974% | No | Alternative | QC Complete | 09/24/2025 | |||||||
| 900000626 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 788 | XXXX | 10 | $71,513.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.068% | No | Full Documentation | QC Complete | 09/29/2025 | ||||||||
| 900000636 | XXXX | XXXX | XXXX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. Gap report present in file dated 08/XX/2025 before closing date XX/XX/XXXX 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 756 | XXXX | 7.5 | $87,570.78 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.624% | No | Alternative | QC Complete | 09/18/2025 | |||||||
| 900000640 | XXXX | XXXX | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/25/2025 | ||||||||||||
| 900000641 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Occupant marked as owner on the appraisal report, transaction type is purchase investment. Provide an updated appraisal with occupant status as vacant or tenant. Resolved 10/XX/2025 - Received LOX " The appraiser reiterated the property was owner occupied at the time of their inspection and advised a revision was not required", condition resolved. |
PUD | XX/XX/XXXX | 85.000% | 85.000% | 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 | DSCR | QC Complete | 09/24/2025 | |||||||||||
| 900000642 | XXXX | XXXX | XXXX | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |
2 Family | XX/XX/XXXX | 49.125% | 49.125% | Primary | Refinance | 775 | 22.33 | $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 |
49.980% | Full Documentation | QC Complete | 10/08/2025 | |||||||||
| 900000644 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 50.820% | 50.820% | Secondary | Purchase | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/01/2025 | ||||||||||||
| 900000650 | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Permit a non-occupant borrower for a 2 unit primary rate/term refinance A copy of an exception approval letter is available in the loan file. |
DTI: 16.42% DTI is less than the maximum guideline requirement
of 50.00%. LTV: 40.80% LTV is less than the guideline requirement of 70.00%. Residual Income : $36,273.32 monthly. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 734 | XXXX | 6.25 | $62,020.02 | 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 |
36.955% | No | Alternative | QC Complete | 01/02/2026 | ||||||
| 900000663 | XXXX | XXXX | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | 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 | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000666 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 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. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 775 | XXXX | 13 | $20,323.19 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.056% | No | Alternative | QC Complete | 06/10/2025 | |||||||
| 900000667 | XXXX | XXXX | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 707 | XXXX | 2.33 | $23,379.38 | 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 |
18.298% | No | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000669 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Purchase | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000672 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 74.948% | 74.948% | Investor | Purchase | 773 | XXXX | 6.66 | $16,995.93 | 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 |
38.012% | No | Alternative | QC Complete | 10/13/2025 | ||||||||
| 900000673 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Appraisal - EV R COMMENT: Provide a copy of Appraisal Report. Resolved 10/XX/2025 - Received Appraisal report, condition resolved. |
Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 | XXXX | 12 | $26,398.99 | 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 |
43.467% | Yes | Alternative | QC Complete | 10/07/2025 | |||||||
| 900000683 | XXXX | XXXX | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/16/2025 | ||||||||||||
| 900000686 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 742 | XXXX | 7.42 | $7,513.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.207% | No | Full Documentation | QC Complete | 09/09/2025 | |||||||
| 900000687 | XXXX | XXXX | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | 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 | 10/07/2025 | ||||||||||||
| 900000692 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/15/2025 | ||||||||||||
| 900000693 | XXXX | XXXX | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 74.963% | 74.963% | Investor | Refinance | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 10/15/2025 | |||||||||||||
| 900000702 | XXXX | XXXX | XXXX | Louisiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide E&O (Error & Omission ) policy as it is missing. Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide updated final 1003 REO section reflecting borrower current address "XXXX " from investment to primary residence. Resolved 06/XX/2025 - Received corrected 1003 application for investment to primary residence, condition resolved. *** (CURED) Title issue - EV R COMMENT: Provide executed and notarized Quit claim deed removing vesting from XXXX. 06/XX/2025: the copy of QCD resolves the condition. |
Single Family | XX/XX/XXXX | 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 |
DSCR | QC Complete | 06/09/2025 | ||||||||||||
| 900000703 | XXXX | XXXX | XXXX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 794 | XXXX | 2 | $12,242.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.448% | No | Full Documentation | QC Complete | 10/13/2025 | ||||||||
| 900000706 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of UDM report as it is missing. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to allow 718 FICO for 720 required. A copy of an exception approval letter is available in the loan file. |
Residual Income: $4,671,173.81 monthly. DTI: 0.71% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX/XX/XXXX | 70.423% | 70.423% | Investor | Refinance | 718 | XXXX | 23.66 | $4,704,759.02 | 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 |
0.714% | Alternative | QC Complete | 09/18/2025 | ||||||
| 900000708 | XXXX | XXXX | XXXX | South Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 803 | XXXX | 0.58 | $11,951.58 | 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 |
18.878% | No | Full Documentation | QC Complete | 09/18/2025 | |||||||
| 900000714 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 716 | 11 | XXXX | 14.67 | $16,536.43 | 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 |
$XXXX | 42.923% | Alternative | QC Complete | 10/08/2025 | |||||||
| 900000717 | XXXX | XXXX | XXXX | 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 $XXXX 10/XX/2025 Resolved: The copy of final title policy resolves the condition. |
Single Family | XX/XX/XXXX | 53.988% | 53.988% | Investor | Purchase | 808 | XXXX | 6.91 | $105,983.18 | 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 |
8.445% | No | Alternative | QC Complete | 09/29/2025 | |||||||
| 900000723 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 711 | XXXX | 9.42 | $120,262.00 | 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 |
6.714% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000736 | XXXX | XXXX | XXXX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 64.943% | 64.943% | Primary | Refinance | 791 | 1 | XXXX | 20.33 | $7,825.20 | 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 |
37.729% | Full Documentation | QC Complete | 10/15/2025 | ||||||||
| 900000739 | XXXX | XXXX | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 692 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000742 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 804 | XXXX | 14.41 | $26,506.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.331% | No | Alternative | QC Complete | 09/24/2025 | ||||||||
| 900000754 | XXXX | XXXX | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 59.350% | 59.350% | Primary | Purchase | 801 | XXXX | 1.08 | $19,554.00 | 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 |
40.220% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000755 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 816 | XXXX | 12.66 | $4,561.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.058% | Yes | Alternative | QC Complete | 10/09/2025 | ||||||||
| 900000759 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 816 | XXXX | 3.08 | $7,916.67 | 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 |
31.334% | Yes | Full Documentation | QC Complete | 09/18/2025 | |||||||
| 900000761 | XXXX | XXXX | XXXX | Oregon | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Assets - Requesting exception to permit 100% of business checking and savings balance A copy of an exception approval letter is available in the loan file. |
Residual Income: $6,016.64.00
monthly. FICO: 753 FICO exceeds the guideline requirement of 700. |
Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 753 | XXXX | 2 | $11,780.15 | 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 |
48.926% | Yes | Alternative | QC Complete | 10/09/2025 | ||||||
| 900000765 | XXXX | XXXX | XXXX | Maine | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrowers (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 785 | XXXX | 5.41 | $22,425.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.789% | No | Full Documentation | QC Complete | 09/16/2025 | |||||||
| 900000766 | XXXX | XXXX | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 728 | 3 | XXXX | 1 | $4,958.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 21.605% | Full Documentation | QC Complete | 10/08/2025 | |||||||
| 900000774 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the lease agreement for the property at XXXX Resolved 10/XX/2025 - Received LOE as property having month to month lease and the lease agreement is not required, condition resolved. |
4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 811 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/08/2025 | |||||||||||
| 900000778 | XXXX | XXXX | XXXX | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of Government ID for the borrower (XXXX), as it is missing. Resolved 10/XX/2025 - Received GOV ID, condition resolved. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 790 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/07/2025 | |||||||||||
| 900000779 | XXXX | XXXX | XXXX | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000782 | XXXX | XXXX | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 759 | $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 |
$XXXX | DSCR | QC Complete | 10/09/2025 | |||||||||||
| 900000784 | XXXX | XXXX | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000786 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of UDM report as it is missing. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 771 | XXXX | 5.5 | $195,752.22 | 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 |
32.393% | No | Alternative | QC Complete | 09/18/2025 | |||||||
| 900000795 | XXXX | XXXX | XXXX | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Initial Escrow Acct Disclosure missing; loan has
escrows - EV R COMMENT: Missing Initial Escrow Account Disclosure. Resolved 10/XX/2025: Received Initial Escrow Account Disclosure dated 09/XX/2025 and exception is cleared. |
Single Family | XX/XX/XXXX | 66.920% | 66.920% | Secondary | Cash Out | 660 | XXXX | 6.16 | $14,026.92 | 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 |
$XXXX | 44.240% | Alternative | QC Complete | 10/08/2025 | |||||||
| 900000797 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 | $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 | DSCR | QC Complete | 10/09/2025 | |||||||||||
| 900000798 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 68.090% | 68.090% | Primary | Cash Out | 784 | 9 | XXXX | 7.42 | $30,787.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 26.781% | Alternative | QC Complete | 10/08/2025 | |||||||
| 900000801 | XXXX | XXXX | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/23/2025 | ||||||||||||
| 900000802 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 09/18/2025 | |||||||||||||
| Removed from deal | XXXX | XXXX | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 60.750% | 60.750% | Primary | Refinance | 746 | 1.42 | XXXX | 0.92 | $13,083.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.922% | Full Documentation | QC Complete | 09/30/2025 | ||||||||
| 900000806 | XXXX | XXXX | XXXX | Alabama | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: GLA on subject property under 500 sqft A copy of an exception approval letter is available in the loan file. |
Residual Income : $7,430.77.00 monthly ( Calculate it Total
income - Total obligation) FICO 797 exceeds the minimum guideline requirement of 720 DTI 47.34% is less than the maximum guideline requirement of 50%. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 | XXXX | 0.08 | $5,408.33 | 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 |
47.337% | No | Full Documentation | QC Complete | 10/08/2025 | ||||||
| 900000807 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 771 | 11 | XXXX | 10.08 | $16,789.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 45.630% | Alternative | QC Complete | 09/17/2025 | ||||||
| 900000815 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 732 | XXXX | 6.66 | $328,605.79 | 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 |
6.300% | No | Alternative | QC Complete | 10/15/2025 | ||||||||
| 900000830 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 01/02/2026 | ||||||||||||
| 900000831 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 721 | 7.5 | XXXX | 7.08 | $34,864.62 | 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 |
19.012% | Alternative | QC Complete | 09/17/2025 | |||||||
| 900000836 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 722 | 0.58 | XXXX | 0.58 | $20,585.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XXXX | 49.843% | Full Documentation | QC Complete | 09/26/2025 | |||||||
| 900000841 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 799 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/18/2025 | ||||||||||||
| 900000842 | XXXX | XXXX | XXXX | Alabama | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Settlement Statement for the property located at XXXX, showing the proceeds from the real estate sale amounting to $XXXX to be finalized on or before closing. Resolved 10/XX/2025 - Received settlement statement with proceeds $XXXX, condition resolved. |
Single Family | XX/XX/XXXX | 30.097% | 30.097% | Primary | Purchase | 795 | XXXX | $5,312.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.461% | No | Alternative | QC Complete | 10/09/2025 | ||||||||
| 900000846 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
PUD | XX/XX/XXXX | 49.485% | 49.485% | Primary | Cash Out | 793 | 0.25 | XXXX | 9.58 | $14,963.00 | 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 |
$XXXX | 12.673% | Alternative | QC Complete | 09/18/2025 | ||||||
| 900000848 | XXXX | XXXX | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 797 | XXXX | 4.67 | $25,980.01 | 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 |
42.912% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000852 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/09/2025 | ||||||||||||
| 900000854 | XXXX | XXXX | XXXX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 69.892% | 69.892% | Primary | Refinance | 726 | 1.66 | XXXX | 18.66 | $28,613.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.524% | Alternative | QC Complete | 10/14/2025 | ||||||||
| 900000856 | XXXX | XXXX | XXXX | Georgia | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception requested to omit the commercial mortgage with XXXX from liabilities and waive verification of the pay history. A copy of an exception approval letter is available in the loan file. |
FICO: 791 FICO exceeds the guideline requirement of 640. Residual Income: $1,983.62 monthly. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/15/2025 | ||||||||||
| 900000864 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 701 | XXXX | 19.33 | $279,065.69 | 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 |
6.894% | No | Alternative | QC Complete | 10/01/2025 | ||||||||
| 900000867 | XXXX | XXXX | XXXX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000869 | XXXX | XXXX | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 733 | XXXX | 8.5 | $18,649.68 | 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 |
23.004% | No | Alternative | QC Complete | 10/08/2025 | ||||||||
| 900000871 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 73.333% | 73.333% | Investor | Refinance | 790 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 10/09/2025 | |||||||||||||
| 900000873 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide updated final application reflecting the intended to use occupancy as primary residence for property address "XXXX" Resolved 10/XX/2025 - Received updated 1003 application, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Refinance | 747 | XXXX | 11.33 | $547,712.06 | 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 |
4.352% | Alternative | QC Complete | 09/25/2025 | ||||||||
| 900000875 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 773 | XXXX | 5 | $69,396.46 | 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 |
12.558% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000876 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Note is missing or unexecuted - EV R COMMENT: Provide a copy of Note document. Resolved 10/XX/2025 - Received Note document, condition resolved. |
PUD | XX/XX/XXXX | 61.567% | 61.567% | Primary | Cash Out | 748 | 10 | XXXX | 6.67 | $3,504.15 | 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 |
$XXXX | 49.824% | Alternative | QC Complete | 09/29/2025 | ||||||
| 900000881 | XXXX | XXXX | XXXX | Texas | 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 7.748% Allowed 7.720% Overby +0.028% This loan is compliant with regulation 1026.35. |
PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 708 | XXXX | 7.33 | $13,932.95 | 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 |
41.069% | Yes | Alternative | QC Complete | 10/14/2025 | |||||||
| 900000885 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 63.002% | 63.002% | Primary | Purchase | 720 | $55,064.75 | 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 |
13.440% | No | Alternative | QC Complete | 10/13/2025 | ||||||||||
| 900000888 | XXXX | XXXX | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000889 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 794 | 2.08 | XXXX | 5.58 | $35,752.00 | 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 |
$XXXX | 33.517% | Alternative | QC Complete | 09/16/2025 | |||||||
| 900000892 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 84.557% | 84.557% | Primary | Refinance | 765 | 2.16 | XXXX | 8.75 | $51,744.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.422% | Alternative | QC Complete | 09/26/2025 | ||||||||
| 900000896 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 71.165% | 71.165% | Primary | Cash Out | 774 | 9.25 | XXXX | 13.5 | $11,444.72 | 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 |
$XXXX | 49.817% | Alternative | QC Complete | 01/02/2026 | |||||||
| 900000899 | XXXX | XXXX | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 786 | XXXX | 35.66 | $9,149.42 | 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 |
44.852% | No | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000903 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting document (wire transaction) for gift fund $XXXX as it is missing. Resolved 09/XX/2025 - Received gift wire, condition resolved. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 790 | XXXX | 6.05 | $19,652.38 | 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 |
44.013% | No | Alternative | QC Complete | 09/19/2025 | |||||||
| 900000905 | XXXX | XXXX | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |
Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 780 | XXXX | 29.66 | $14,627.00 | 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 |
11.263% | No | Alternative | QC Complete | 09/18/2025 | |||||||
| 900000911 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: LTV/CLTV Exception to allow 80% LTV on max of 75% allowed. A copy of an exception approval letter is available in the loan file. |
DTI: 31.90% DTI is less than the maximum guideline requirement
of 50.00%. Residual Income: $41,247.22 monthly. |
Single Family | XX/XX/XXXX | 77.921% | 77.921% | Investor | Refinance | 705 | XXXX | 3.83 | $60,570.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.902% | Alternative | QC Complete | 10/15/2025 | |||||||
| 900000916 | XXXX | XXXX | XXXX | 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 8.260% Allowed 8.040% Overby +0.220% This loan is compliant with regulation 1026.35. |
Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 749 | XXXX | 3.16 | $30,107.58 | 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 |
17.283% | No | Alternative | QC Complete | 10/13/2025 | |||||||
| 900000917 | XXXX | XXXX | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 799 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000918 | XXXX | XXXX | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 750 | 0.5 | XXXX | 11.75 | $79,643.78 | 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 |
$XXXX | 30.640% | Alternative | QC Complete | 10/14/2025 | |||||||
| 900000919 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 799 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 10/08/2025 | ||||||||||||
| 900000920 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 736 | XXXX | 5 | $29,488.58 | 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 |
19.018% | Yes | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000921 | XXXX | XXXX | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 777 | XXXX | 3.25 | $7,384.78 | 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 |
40.836% | Yes | Full Documentation | QC Complete | 10/09/2025 | ||||||||
| 900000930 | XXXX | XXXX | XXXX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the wire transfer document or other supporting documentation to verify the $30,000 gift amount. Resolved 09/XX/2025 - Received Wire transfer for the gift amount, condition resolved. |
4 Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/12/2025 | |||||||||||
| 900000932 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 47.826% | 47.826% | Investor | Refinance | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 09/25/2025 | |||||||||||||
| 900000933 | XXXX | XXXX | XXXX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 806 | XXXX | 4.08 | $13,042.41 | 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 |
32.167% | No | Alternative | QC Complete | 10/14/2025 | ||||||||
| 900000934 | XXXX | XXXX | XXXX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Permit a non-occupant borrower for a 2 unit primary rate/term refinance A copy of an exception approval letter is available in the loan file. |
DTI: 16.42% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 725 FICO exceeds the guideline requirement of 720. LTV: 40.80% LTV is less than the guideline requirement of 80.00%. |
2 Family | XX/XX/XXXX | 40.805% | 40.805% | Primary | Refinance | 725 | 8 | XXXX | 12.66 | $8,125.75 | 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 |
16.420% | Alternative | QC Complete | 01/02/2026 | ||||||
| 900000941 | XXXX | XXXX | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 59.952% | 59.952% | Primary | Refinance | 782 | 1.5 | XXXX | 3.67 | $56,688.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.508% | Alternative | QC Complete | 01/02/2026 | ||||||||
| 900000945 | XXXX | XXXX | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 60.000% | 60.000% | Investor | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/29/2025 | ||||||||||||
| 900000948 | XXXX | XXXX | XXXX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The Note and Final 1003 indicate that the borrower is an LLC. However, the Mortgage, Final Title and Appraisal show the borrower as an individual. Resolved 09/XX/2025 - Received Quit claim deed as the reflecting the borrower as individual, condition resolved. |
Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 |
$XXXX | DSCR | QC Complete | 09/18/2025 | |||||||||||
| 900000949 | XXXX | XXXX | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 678 | XXXX | 6.58 | 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 |
1.739% | No | Alternative | QC Complete | 09/25/2025 | |||||||||
| 900000951 | XXXX | XXXX | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/14/2025 | ||||||||||||
| 900000955 | XXXX | XXXX | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 758 | XXXX | 7.16 | $30,229.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.089% | No | Full Documentation | QC Complete | 09/25/2025 | ||||||||
| 900000956 | XXXX | XXXX | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 686 | XXXX | 20.66 | $9,604.64 | 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 |
43.925% | No | Alternative | QC Complete | 10/02/2025 | ||||||||
| 900000961 | XXXX | XXXX | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 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 |
DSCR | QC Complete | 09/30/2025 | |||||||||||||
| 900000972 | XXXX | XXXX | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 09/16/2025 |