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| Exception Detail | |||||||||||||||||||||||||||||||||||
| Run Date - 12/30/2025 4:32:14 PM | |||||||||||||||||||||||||||||||||||
| Marketing ID | Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 900000979 | XX | XX | XX | 7143179 | 350 | 06/06/2025 | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | Guidelines reflect maximum LTV/CLTV of 70%. Subject closed with a LTV/CLTV of 75%. | Exception granted allowing 75% LTV cash out DSCR. Compensating factors: DSCR Ratio > 1.15% (1.18%), 40 points over minimum score in the tier, FICO 748, reserves after close $48,154.00 | Client
07/08/2025 01:58 PM; Please find exception attached. Thank you. Reviewer 07/08/2025 02:43 PM; Condition has been reviewed. Thx |
07/08/2025 | B | 2 | XX | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 900000982 | XX | XX | XX | 7146309 | 901 | 07/03/2025 | Compliance | Compliance | Compliance - TRID Other | Loan is non-trid compliant due to APR increasing greater than .125 on 6/30 CD and the required additional 3 day waiting period was not provided. | Information provided | Client 07/14/2025 09:43 AM; 6/XX to 6/XX CD-APR changed from8.017 to 9.179, however there is 3 days gap between
6/XX and 6/XX CD, i.e. XX.please clear Reviewer 07/14/2025 10:37 AM; Hello
 The APR increased on 6/30 and did not provide the required additional 3 day waiting period. 
 
 Thanks Reviewer 07/14/2025 11:01 AM; |
07/15/2025 | A | 1 | XX | OR | 1 | 1 | C | A | A | A | C | A | A | A | Exempt | 1 |