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 |
| 10 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Please provide a copy of the insurance document for the property located at XX, as the document we received shows an incorrect insurance address. Resolved 10/20/2025 : Received address affidavit document , condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Lease agreement for the property XX. Resolved 10/13/2025 - Received lease agreement for property XX, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 800 | XX | 8.16 | $29,956.49 | 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 |
41.054% | No | Alternative | QC Complete | 09/25/2025 | |||||||
| 15 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of borrower government identification, as it is missing. Resolved 10/20/2025 - Received borrower driving license , condition resolved. |
2 Family | XX | 64.516% | 64.516% | Investor | Cash Out | 760 | XX | 15.66 | $58,222.13 | 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 |
$489,547.84 | 20.037% | Full Documentation | QC Complete | 09/XX/2025 | |||||||
| 17 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. Resolved 10/23/2025 - Received title policy, 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 9.204% Allowed 8.250% Overby +0.954% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide UDM for borrower (XX) as it is required by the guideline. 09/11/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: (CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. CA AB 260 Higher-Priced Mortgage Loan Test: Charged 9.204% Allowed 8.250% Overby +0.954% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 763 | XX | 4.5 | $6,656.39 | 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 |
42.244% | Yes | Alternative | QC Complete | 09/02/2025 | |||||||
| 18 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 11/06/2025: Received Initial Closing Disclosure dated 09/XX/2025 and exception is cleared. |
Single Family | XX | 49.991% | 49.991% | Primary | Purchase | 802 | XX | 7.5 | $7,392.72 | 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 |
38.617% | No | Alternative | QC Complete | 10/22/2025 | |||||||
| 20 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 737 | XX | 8.91 | $4,044.91 | 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 |
42.718% | No | Alternative | QC Complete | 10/22/2025 | ||||||||
| 21 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 741 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/22/2025 | |||||||||||
| 23 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: The hazard insurance coverage amount of $XX is less than the loan amount of $XX. Please provide a Replacement Cost Estimator (RCE). Resolved 10/28/2025 - Received processors cert with RCE covers at least the dwelling amount, condition resolved. |
Single Family | XX | 75.740% | 75.740% | Primary | Cash Out | 774 | 1.58 | XX | 6 | $18,431.17 | 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 |
$234,179.94 | 40.208% | Full Documentation | QC Complete | 10/10/2025 | ||||||
| 25 | XX | XX | XX | XX | 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 8.141% Allowed 7.810% Overby +0.331% This loan is compliant with regulation 1026.35. |
Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 724 | XX | 2.83 | $62,248.13 | 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 |
5.058% | No | Alternative | QC Complete | 11/07/2025 | |||||||
| 26 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Correction required for Appraisal Report Transaction type change from Purchase to Refinance. Resolved 11/24/2025 - Received revised appraisal report, condition resolved. |
Single Family | XX | 46.909% | 46.909% | Primary | Refinance | 789 | 9.42 | XX | 15 | $2,666.62 | 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 |
44.916% | Alternative | QC Complete | 11/07/2025 | |||||||
| 27 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of borrower ID as it is missing. Resolved on 10/20/2025 : Received driving license for both the borrowers, condition resolved. |
Single Family | XX | 70.000% | 70.000% | Secondary | Purchase | 803 | XX | 1.25 | $31,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.252% | No | Full Documentation | QC Complete | 09/25/2025 | |||||||
| 28 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The April 2025 bank statement for XX checking account ending in XX is not included in the loan file. Resolved 10/28/2025 - Received Bank statement for month of April 2025, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 754 | XX | 12.33 | $205,410.93 | 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 |
3.491% | No | Alternative | QC Complete | 10/10/2025 | |||||||
| 29 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title Issue - EV R COMMENT: Missing liability policy for the settlement agent. Resolved 11/07/2025 - Received master liability policy, condition resolved |
Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 785 | XX | 15.58 | $59,869.20 | 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 |
36.315% | No | Alternative | QC Complete | 10/10/2025 | |||||||
| 31 | XX | XX | XX | XX | 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 9.663% Allowed 7.810% Overby+1.853% This loan is compliant with regulation 1026.35. |
PUD | XX | 90.000% | 90.000% | Primary | Purchase | 731 | XX | 3.75 | $9,879.04 | 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 |
42.891% | No | Alternative | QC Complete | 11/07/2025 | |||||||
| 32 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: The HO-6 policy on page #XX does not include the new lender or its loss payee clause. Resolved 10/29/2025 - Received HO-6 with lender mortgage clause, condition resolved. |
High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Primary | Purchase | 781 | XX | $45,318.25 | 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 |
25.070% | No | Alternative | QC Complete | 10/10/2025 | ||||||||
| 34 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Government ID for the borrower (XX) as it is missing. Resolved 11/20/2025 - Received Gov ID, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 780 | 0.16 | XX | 6.41 | $24,860.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.179% | Alternative | QC Complete | 11/07/2025 | |||||||
| 35 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provide a copy of Appraisal report. Rear view photo of subject property is missing. Resolved 10/28/2025 - Received Appraisal condition comments as subject house does not have any access to rear side, condition resolved. |
PUD | XX | 55.649% | 55.649% | Primary | Cash Out | 711 | 1 | XX | 2.08 | $12,899.81 | 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 |
$155,407.85 | 24.014% | Alternative | QC Complete | 10/10/2025 | ||||||
| 43 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 69.771% | 69.771% | Primary | Refinance | 766 | 2 | XX | 8.75 | $68,820.29 | 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 |
36.709% | Alternative | QC Complete | 11/07/2025 | ||||||||
| 45 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the evidence document or receipt for the HOA fee in the amount of $311.45 for the subject property, as it is missing. Resolved 11/10/2025 - Received HOA Cert, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 69.996% | 69.996% | Investor | Purchase | 800 | XX | 10.92 | $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 |
41.724% | No | Full Documentation | QC Complete | 10/22/2025 | |||||||
| 48 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of VOR for the Property XX in the amount $XX. Resolved 10/29/2025 - Received VOR, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 754 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/10/2025 | |||||||||||
| 49 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal. Resolved 10/28/2025 - Received LOE as Appraisal review team will remove the condition, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 757 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 50 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.789% | 64.789% | Investor | Cash Out | 777 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$275,030.98 | DSCR | QC Complete | 11/06/2025 | |||||||||||
| 52 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 735 | XX | 13.75 | $69,973.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.572% | No | Alternative | QC Complete | 10/23/2025 | ||||||||
| 56 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated Lease Agreement, as the one currently in the file expired on 06/XX/2025 and does not cover the closing date of 10/XX/2025. Received 11/10/2025 - Received Lease ammendment for 06/XX/2026, condition resolved. |
Single Family | XX | 48.443% | 48.443% | Investor | Cash Out | 746 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$140,633.40 | DSCR | QC Complete | 10/23/2025 | ||||||||||
| 59 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 759 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/23/2025 | |||||||||||
| 60 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 | XX | 16.75 | $8,924.20 | 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 |
43.866% | No | Full Documentation | QC Complete | 10/23/2025 | ||||||||
| 62 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 1 | 2 | 1 | No | No | *** (WAIVED) Property zoned rural and contains more than 10
acres - EV W COMMENT: The property exceeds the maximum acreage allowed per guidelines. The XX guidelines permit up to 20 acres, while the appraisal lists the property xx acres. A copy of an exception approval letter is available in the loan file. |
LTV: 60.00% LTV is less than the guideline requirement of
80.00%. DTI: 14.57% DTI is less than the maximum guideline requirement of 50.00%. FICO: 690 FICO exceeds the guideline requirement of 640. |
Single Family | XX | 60.000% | 60.000% | Primary | Cash Out | 690 | 2.33 | XX | 8.42 | $109,732.58 | 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 |
$3,266.53 | 14.569% | Alternative | QC Complete | 10/23/2025 | |||||
| 66 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 64.563% | 64.563% | Primary | Purchase | 711 | XX | $2,919.00 | 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 |
21.875% | No | Alternative | QC Complete | 11/07/2025 | |||||||||
| 67 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 60.000% | 60.000% | Investor | Refinance | 801 | XX | 6.16 | $22,188.83 | 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 |
34.002% | Full Documentation | QC Complete | 11/07/2025 | |||||||||
| 68 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of payoff statement for the primary property address XX Resolved-11/10/2025- Payoff statement is not required, lox provided page#XX. |
Mid Rise Condo (5-8 Stories) | XX | 60.000% | 60.000% | Investor | Purchase | 755 | XX | 25.83 | $104,224.21 | 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 |
21.744% | No | Full Documentation | QC Complete | 10/23/2025 | |||||||
| 69 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Transmittal (1008) is Missing - EV R COMMENT: Provide a copy of 1008, as it is missing. Resolved 10/28/2025 - Received 1008, condition resolved. |
PUD | XX | 72.930% | 72.930% | Investor | Refinance | 745 | XX | 15.08 | $176,959.81 | 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 |
8.906% | Alternative | QC Complete | 10/10/2025 | ||||||||
| 72 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 42.373% | 42.373% | Investor | Cash Out | 800 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$236,173.14 | DSCR | QC Complete | 11/06/2025 | |||||||||||
| 74 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The borrower self-employed. Borrower has been self employed and has owned a XX for 7 yrs. However, the borrower relocated to TX in 10/23 and has a new business in TX. We are asking for exception as the borrower will have 23 months of employment TX and not a completed 24 months at this time of close A copy of an exception approval letter is available in the loan file. |
Residual Income : $6215.12.00 monthly DTI: 26.36% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 707 | XX | 2 | $8,439.96 | 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 |
26.361% | No | Alternative | QC Complete | 11/07/2025 | ||||||
| 77 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The borrower has 7 NSFs in the past 12 months; however, up to 6 NSFs may be acceptable with a letter of explanation from the borrower. Two overdrafts were excluded because the account was brought current on the same day. The borrower is purchasing the property using a Gift of Equity. A copy of an exception approval letter is available in the loan file. |
LTV: 68.82% LTV is less than the guideline requirement of
85.00%. Residual Income : $18,317.46 monthly DTI: 30.44% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 68.824% | 68.824% | Primary | Purchase | 686 | XX | 3.16 | $12,904.07 | 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 |
30.444% | No | Alternative | QC Complete | 11/18/2025 | ||||||
| 78 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 | XX | 0.58 | $9,309.51 | 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 |
43.412% | No | Full Documentation | QC Complete | 10/23/2025 | ||||||||
| 79 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$154,122.73 | DSCR | QC Complete | 10/23/2025 | |||||||||||
| 82 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 10/28/2025 - Received final title policy, condition resolved. |
Single Family | XX | 59.494% | 59.494% | Primary | Purchase | 794 | XX | 1 | $32,750.01 | 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 |
45.984% | No | Full Documentation | QC Complete | 10/09/2025 | |||||||
| 84 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$134,614.93 | DSCR | QC Complete | 11/07/2025 | |||||||||||
| 86 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Photos of "XX" are missing in the loan package. Provide images of "XX Resolved 11/18/2025 - Received Appraisal without having basement garage term in photo section, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 713 | XX | 2.66 | $21,447.60 | 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 |
35.216% | No | Alternative | QC Complete | 10/23/2025 | |||||||
| 87 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Closing Protection Letter Missing - EV R COMMENT: Title is required to provide a copy of the Closing Protection Letter with the Lender Loss payee clause & dated either prior to or on the day of close (Matching the Note). Resolved 11/10/2025 - Received CPL , condition resolved. |
Single Family | XX | 74.534% | 74.534% | Primary | Purchase | 790 | XX | 22.83 | $57,716.67 | 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 |
44.675% | Yes | Alternative | QC Complete | 10/23/2025 | |||||||
| 89 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 78.125% | 78.125% | Secondary | Purchase | 783 | XX | 4.58 | $148,138.73 | 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 |
12.481% | No | Alternative | QC Complete | 10/23/2025 | ||||||||
| 93 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated title report including the lender loss payee language “ISAOA/ATIMA” for the mortgagee. Resolved 12/5/2025 - Received title Insured ISOA, condition resolved. |
PUD | XX | 80.000% | 80.000% | Investor | Purchase | 753 | XX | 17.16 | $12,957.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.771% | No | Alternative | QC Complete | 11/07/2025 | |||||||
| 96 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a corrected final 1003 form that includes the missing monthly principal and interest (P&I) payment for the primary property at XX. Resolved 11/24/2025 - Received final 1003 with primary residence PITI, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 747 | XX | 12.08 | $15,686.94 | 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 |
$98,167.96 | 37.527% | Full Documentation | QC Complete | 10/08/2025 | |||||||
| 97 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: The primary borrower’s driver’s license expired on November XX, 2024. Please provide a copy of the updated driver’s license. Resolved 10/24/2025 - Received updated Govt ID, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 53.191% | 53.191% | Primary | Purchase | 795 | XX | 4.83 | $6,697.46 | 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 |
30.080% | No | Full Documentation | QC Complete | 10/09/2025 | |||||||
| 99 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 780 | XX | 2.5 | $2,308.56 | 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 |
43.891% | No | Alternative | QC Complete | 11/07/2025 | ||||||||
| 101 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing proof of proceeds from Secured Loan in the amount of $XX Resolved 11/19/2025 - Received Final CD with proceed amount, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 754 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/06/2025 | ||||||||||
| 102 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 739 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/06/2025 | |||||||||||
| 103 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 799 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/23/2025 | |||||||||||
| 105 | XX | XX | XX | XX | 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 8.889% Allowed 8.070% Overby +0.819% This loan is compliant with regulation 1026.35. |
PUD | XX | 90.000% | 90.000% | Primary | Purchase | 785 | XX | 4.75 | $32,019.79 | 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 |
14.882% | No | Alternative | QC Complete | 10/23/2025 | |||||||
| 106 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 79.994% | 79.994% | Investor | Purchase | 782 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/23/2025 | |||||||||||
| 107 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated copy of the appraisal, as the current version indicates “no” for the FEMA flood zone, but the property is actually located within a flood zone. Resolved 11/19/2025 - Received corrected appraisal with flood zone Yes, condition resolved. |
PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 797 | XX | $37,812.39 | 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 |
22.777% | No | Alternative | QC Complete | 11/06/2025 | ||||||||
| 108 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 749 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/23/2025 | |||||||||||
| 111 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 55.790% | 55.790% | Investor | Purchase | 681 | XX | 20.75 | $31,185.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.862% | No | Alternative | QC Complete | 10/24/2025 | ||||||||
| 117 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 62.959% | 62.959% | Primary | Refinance | 767 | 1.16 | XX | 13.58 | $40,833.34 | 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 |
28.808% | Full Documentation | QC Complete | 11/07/2025 | ||||||||
| 118 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Lease agreement for the subject property (XX) is missing. Resolved 11/24/2025 - Received lease agreement, condition resolved. |
Single Family | XX | 45.833% | 45.833% | Investor | Cash Out | 770 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$99,720.86 | DSCR | QC Complete | 11/06/2025 | ||||||||||
| 120 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 724 | 4.5 | XX | 9 | $17,750.78 | 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 |
$9,803.12 | 36.726% | Full Documentation | QC Complete | 10/24/2025 | |||||||
| 124 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 722 | XX | 21 | $35,849.49 | 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 |
49.034% | No | Full Documentation | QC Complete | 11/06/2025 | ||||||||
| 125 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure Resolved 11/26/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |
PUD | XX | 53.127% | 53.127% | Primary | Cash Out | 787 | 0.91 | XX | 22.91 | $421,575.53 | 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 |
$749,842.03 | 1.512% | Alternative | QC Complete | 11/18/2025 | ||||||
| 126 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 49.216% | 49.216% | Primary | Cash Out | 717 | 5.58 | XX | 6.33 | $7,290.35 | 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 |
$56,406.18 | 42.615% | Alternative | QC Complete | 11/18/2025 | |||||||
| 127 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 64.516% | 64.516% | Investor | Purchase | 808 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/16/2026 | |||||||||||
| 131 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 72.360% | 72.360% | Investor | Refinance | 748 | XX | 5.66 | $8,365.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.032% | Full Documentation | QC Complete | 11/06/2025 | |||||||||
| 132 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 70.000% | 70.000% | Investor | Refinance | 777 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/06/2025 | ||||||||||||
| 133 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 773 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/06/2025 | |||||||||||
| 135 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Closing Protection Letter Missing - EV R COMMENT: The CPL in the file does not include the full wording of the new lender loss payee clause and is missing “ATIMA.” An updated CPL containing the complete lender loss payee verbiage is required. 11/06/2025 Resolved: Resolved as ATIMA is not required if ISOAO is available. *** (CURED) Hazard Insurance - EV R COMMENT: The HOI policy in the file is missing the full wording of the new lender loss payee clause, specifically the term "ATIMA." An updated policy including the complete lender loss payee verbiage is required. 11/06/2025 Resolved: the copy of outsourcing letter resolves the condition. *** (CURED) Letter of explanation needed for the file - EV R COMMENT: The Letters of Explanation (LOEs) on pages 233 and 235 of the loan file are missing a date indicating when the information was collected and/or when the borrower signed the letters. Resolved 11/13/2025 - Received LOE with signature and the date, condition resolved. |
Single Family | XX | 64.762% | 64.762% | Investor | Purchase | 760 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 138 | XX | XX | XX | XX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Exception approval required for remote online notary being used to execute the power of attorney. Resolved 11/13/2025 - XX accept the exception for the remote online notary POA, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 73.799% | 73.799% | Investor | Purchase | 768 | XX | 0.66 | $75,090.56 | 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 |
42.519% | No | Full Documentation | QC Complete | 11/06/2025 | |||||||
| 140 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 141 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 807 | XX | 6.16 | $72,362.24 | 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 |
37.579% | No | Alternative | QC Complete | 01/16/2026 | ||||||||
| 146 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 70.862% | 70.862% | Investor | Purchase | 767 | XX | 2.58 | 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 | 12/03/2025 | ||||||||||
| 150 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $xx Resolved 11/24/2025 - Received final policy, condition resolved. |
Single Family | XX | 72.368% | 72.368% | Primary | Refinance | 798 | 2.25 | XX | 20.66 | $30,050.04 | 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 |
36.694% | Full Documentation | QC Complete | 11/05/2025 | |||||||
| 152 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 810 | XX | 15.75 | $6,533.63 | 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 |
18.362% | Yes | Full Documentation | QC Complete | 11/19/2025 | ||||||||
| 156 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 738 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/19/2025 | |||||||||||
| 157 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 79.684% | 79.684% | Primary | Refinance | 760 | 0.42 | XX | 3.66 | $7,894.75 | 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 |
44.964% | Full Documentation | QC Complete | 11/19/2025 | ||||||||
| 159 | XX | XX | XX | XX | 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 title insurance of $xx on the Title Commitment is less than the loan amount $XX Resolved 11/18/2025 - Received title insured amount, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | ||||||||||
| 160 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 66.316% | 66.316% | Investor | Cash Out | 782 | XX | 17.33 | $13,809.08 | 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 |
$237,230.88 | 40.511% | Full Documentation | QC Complete | 11/05/2025 | ||||||||
| 165 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 798 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 169 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 794 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 173 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 782 | XX | 0.41 | $14,583.34 | 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 |
46.803% | No | Full Documentation | QC Complete | 11/20/2025 | ||||||||
| 175 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 50.000% | 50.000% | Secondary | Purchase | 790 | XX | 37.33 | $22,174.53 | 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 |
31.130% | No | Full Documentation | QC Complete | 11/19/2025 | ||||||||
| 177 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 69.690% | 69.690% | Investor | Purchase | 726 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/03/2025 | |||||||||||
| 178 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 59.168% | 59.168% | Investor | Cash Out | 701 | XX | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:1 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$116,985.93 | DSCR | QC Complete | 11/19/2025 | |||||||||||
| 179 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 74.097% | 74.097% | Primary | Refinance | 780 | 1.16 | XX | 9.33 | $35,318.68 | 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 |
36.093% | Full Documentation | QC Complete | 12/04/2025 | ||||||||
| 180 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 798 | XX | 5.66 | $19,174.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.528% | Yes | Alternative | QC Complete | 12/04/2025 | ||||||||
| 181 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 789 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/04/2025 | |||||||||||
| 182 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 724 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$49,001.75 | DSCR | QC Complete | 12/04/2025 | |||||||||||
| 183 | XX | XX | XX | XX | 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 proposed Lender's coverage on the Title Commitment Title is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX. Resolved 10/21/2025 - Received title report with insured amount, condition resolved . |
Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 780 | XX | 8.75 | $24,368.23 | 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 |
46.527% | No | Alternative | QC Complete | 10/15/2025 | |||||||
| 184 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 703 | XX | 4.75 | $8,401.12 | 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 |
46.478% | Yes | Alternative | QC Complete | 11/04/2025 | ||||||||
| 185 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 42.765% | 42.765% | Primary | Cash Out | 793 | 14 | XX | 7.16 | $217,368.00 | 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 |
$483,714.04 | 7.214% | Alternative | QC Complete | 10/28/2025 | |||||||
| 186 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 810 | XX | $15,157.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
43.713% | No | Alternative | QC Complete | 10/22/2025 | |||||||||
| 188 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 777 | XX | 2.75 | $1,275.54 | 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 |
29.182% | No | Alternative | QC Complete | 11/04/2025 | ||||||||
| 189 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 70.000% | 70.000% | Primary | Purchase | 790 | XX | 10.83 | $424,942.97 | 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 |
4.904% | Yes | Alternative | QC Complete | 11/10/2025 | ||||||||
| 192 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 749 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$8,663.55 | DSCR | QC Complete | 11/13/2025 | |||||||||||
| 196 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 72.917% | 72.917% | Primary | Cash Out | 707 | 7 | XX | 7 | $13,669.79 | 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 |
$312,107.33 | 49.094% | Full Documentation | QC Complete | 11/12/2025 | |||||||
| 198 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 765 | XX | 10.75 | $247,121.18 | 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 |
8.241% | No | Alternative | QC Complete | 11/10/2025 | ||||||||
| 199 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 738 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | |||||||||||
| 201 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 732 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 202 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 68.607% | 68.607% | Primary | Cash Out | 705 | 19.66 | XX | 14.33 | $9,744.36 | 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 |
$113,862.63 | 18.911% | Alternative | QC Complete | 11/05/2025 | |||||||
| 203 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 73.874% | 73.874% | Primary | Refinance | 749 | 1.83 | XX | 3.5 | $19,292.50 | 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 |
31.629% | Alternative | QC Complete | 10/28/2025 | ||||||||
| 208 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 51.064% | 51.064% | Primary | Purchase | 789 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 209 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 56.634% | 56.634% | Primary | Refinance | 785 | 1.25 | XX | 10.5 | $30,598.28 | 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 |
44.708% | Alternative | QC Complete | 11/12/2025 | ||||||||
| 210 | XX | XX | XX | XX | 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 vs First time homebuyer living rent free is not eligible A copy of an exception approval letter is available in the loan file. |
FICO: 739 FICO exceeds the guideline requirement of 720. LTV: 85.00% LTV is less than the guideline requirement of 90.00%. DTI: 41.916% DTI is less than the maximum guideline requirement of 43.00%. |
Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 739 | XX | 2.41 | $28,523.65 | 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 |
41.916% | Yes | Alternative | QC Complete | 01/15/2026 | ||||||
| 214 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 56.393% | 56.393% | Primary | Refinance | 801 | 2.25 | XX | 0.67 | $22,916.68 | 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 |
15.466% | Full Documentation | QC Complete | 11/05/2025 | ||||||||
| 216 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/26/2025 | |||||||||||
| 217 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 739 | XX | 5.08 | $143,923.67 | 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 |
20.171% | No | Alternative | QC Complete | 10/27/2025 | ||||||||
| 218 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Operating Agreement for XX. Resolved 11/21/2025 - Received operating agreement, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 731 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/14/2025 | ||||||||||
| 219 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 | XX | 2.75 | $15,386.00 | 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 |
36.539% | No | Alternative | QC Complete | 12/10/2025 | ||||||||
| 220 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 50.337% | 50.337% | Primary | Refinance | 703 | 21 | XX | $1,388.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.116% | Alternative | QC Complete | 01/16/2026 | |||||||||
| 221 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of MTG statement of property XX of $722.17 Which is missing in the file. Resolved 11/05/2025 - Received LOX as the property is not in mortgage, condition resolved. |
PUD | XX | 74.667% | 74.667% | Investor | Cash Out | 742 | XX | 20.75 | $43,582.92 | 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 |
$98,398.96 | 33.718% | Alternative | QC Complete | 10/27/2025 | |||||||
| 222 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) HUD-1 Closing Statement missing or unsigned - EV
R COMMENT: Missing Final Closing Disclosure. Resolved 10/16/2025: Received Final Closing Disclosure dated 09/XX/2025 and exception is cleared. *** (CURED) Hazard Insurance - EV R COMMENT: The hazard insurance policy in the loan file is missing the "lender loss payee clause verbiage". Missing "ISAOA/ATIMA". Resolved 10/16/2025 - Received insurance with lender loss payee clause, condition resolved. *** (CURED) Title Issue - EV R COMMENT: Missing the settlement agent's liability insurance policy. (Errors & Omissions policy). Resolved on 10/20/2025 : Received E&O insurance policy, condition resolved. |
Single Family | XX | 69.231% | 69.231% | Primary | Refinance | 739 | 2.08 | XX | 2.08 | $32,934.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.665% | Alternative | QC Complete | 10/14/2025 | |||||||
| 223 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 738 | XX | 5.08 | $25,600.47 | 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 |
45.665% | No | Alternative | QC Complete | 12/08/2025 | ||||||||
| 224 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Condo questionnaire missing. Resolved 11/10/2025 - Received LOX as Condo questionnaire not required for Detached, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 47.368% | 47.368% | Secondary | Purchase | 774 | XX | 30.08 | $12,428.42 | 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 |
21.758% | No | Full Documentation | QC Complete | 11/05/2025 | |||||||
| 228 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 65.000% | 65.000% | Investor | Cash Out | 735 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$245,503.35 | DSCR | QC Complete | 11/11/2025 | |||||||||||
| 229 | XX | XX | XX | XX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Seller contributions exceed guideline limit - EV
R COMMENT: Seller-paid closing costs exceed the allowable limit of 3%, with 3.30% reported. Resolved 10/28/2025 - Received Lender response as the seller paid is 3% ( $XX / $XX ), condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Assets waive the guideline for 5% of borrower own funds into the transaction, receiving a gift and wants to use for full cash to close. A copy of an exception approval letter is available in the loan file. |
DSCR: 1.02 DSCR exceeds the guideline requirement of 1.00. FICO: 785 FICO exceeds the guideline requirement of 660. |
Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 785 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/21/2025 | ||||||||
| 233 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 71.765% | 71.765% | Primary | Purchase | 706 | XX | 4.58 | $26,909.17 | 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 |
42.653% | No | Alternative | QC Complete | 11/11/2025 | ||||||||
| 234 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$9,524.37 | DSCR | QC Complete | 11/26/2025 | |||||||||||
| 236 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 791 | XX | 5.83 | $12,582.63 | 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 |
30.330% | No | Alternative | QC Complete | 11/19/2025 | ||||||||
| 237 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 72.172% | 72.172% | Investor | Refinance | 725 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | ||||||||||||
| 240 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 785 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | |||||||||||
| 242 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 1 | 2 | 1 | No | No | *** (WAIVED) Property zoned rural and contains more than 10
acres - EV W COMMENT: Property is in rural area with XX Acres exceeds the maximum property area A copy of an exception approval letter is available in the loan file. |
FICO: 705 FICO exceeds the guideline requirement of 700. Reserves: The 68 months of available reserves are more than the guideline requirement of 9 months. |
Single Family | XX | 15.819% | 15.819% | Primary | Cash Out | 705 | 1.58 | XX | 2.08 | $9,000.46 | 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 |
$176,463.70 | 49.969% | Alternative | QC Complete | 10/29/2025 | |||||
| 244 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 755 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | |||||||||||
| 245 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) The Appraisal License is Missing - EV R COMMENT: Appraiser Certificate License is missing in file. Resolved 11/24/2025 - Received Appraisal certificate, condition resolved. |
Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 757 | XX | 2.75 | $86,501.07 | 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 |
25.495% | No | Alternative | QC Complete | 11/12/2025 | |||||||
| 246 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provided Flood Certificate show as Flood zone as in Appraisal report it is showing as No,Provide a copy of Appraisal Report. Resolved 11/03/2025 - Corrected appraisal provided, condition resolved. |
PUD | XX | 67.797% | 67.797% | Primary | Cash Out | 733 | 2.5 | XX | 21.58 | $332,721.95 | 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 |
$264,785.69 | 5.518% | Alternative | QC Complete | 10/27/2025 | ||||||
| 247 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for excessive NSF for the past 12 months. 7 total in last 12 months. A copy of an exception approval letter is available in the loan file. |
LTV: 54.76% LTV is less than the guideline requirement of
80.00%. DTI: 37.49% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 54.762% | 54.762% | Primary | Cash Out | 662 | 18 | XX | 3.75 | $13,823.54 | 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 |
$312,122.65 | 37.490% | Alternative | QC Complete | 11/13/2025 | |||||
| 249 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 74.426% | 74.426% | Primary | Cash Out | 762 | 5.83 | XX | 16.75 | $4,055.78 | 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 |
$69,083.07 | 45.161% | Alternative | QC Complete | 11/04/2025 | |||||||
| 251 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 62.312% | 62.312% | Primary | Purchase | 764 | XX | 9.58 | $3,075.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.460% | Yes | Alternative | QC Complete | 10/28/2025 | ||||||||
| 252 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 60.246% | 60.246% | Primary | Purchase | 757 | XX | 2.42 | $12,618.67 | 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 |
38.305% | No | Alternative | QC Complete | 10/22/2025 | ||||||||
| 253 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 59.474% | 59.474% | Primary | Purchase | 751 | XX | 6 | $109,583.36 | 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 |
11.345% | No | Alternative | QC Complete | 11/12/2025 | ||||||||
| 254 | XX | XX | XX | XX | 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 to allow a non-per resident with a H1B VISA A copy of an exception approval letter is available in the loan file. |
DSCR: 1.72 DSCR exceeds the guideline requirement of 1.00. FICO: 734 FICO exceeds the guideline requirement of 720. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/22/2025 | |||||||||
| 256 | XX | XX | XX | XX | 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 12/10/2025 - The copy of Initial Escrow discl resolves the condition. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 772 | XX | 10.41 | $5,879.98 | 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 |
47.157% | Yes | Alternative | QC Complete | 11/26/2025 | |||||||
| 257 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 798 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 258 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 759 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | ||||||||||||
| 259 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide the first and second pages of the September 2024 bank statement for the account ending in #XX. Resolved 11/07/2025 - Received September month bank statement, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Cash Out | 775 | XX | 6.66 | $333,387.70 | 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 |
$222,697.96 | 19.808% | Alternative | QC Complete | 11/04/2025 | |||||||
| 260 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: The Hazard Insurance in the loan file lists Borrower#2 as XX "XX" however, the name should match the Note which records the borrowers name as XX "XX". An updated proof of insurance should be obtained listing the borrowers name correctly. Resolved 10/24/2025 - Received Lender response-The AKA's provided for the co-borrower include her last name "XX". We even have policies that don't include middle names or suffixes for example, condition resolved. |
PUD | XX | 79.487% | 79.487% | Primary | Purchase | 726 | XX | $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 |
48.073% | No | Alternative | QC Complete | 10/15/2025 | ||||||||
| 261 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 50.794% | 50.794% | Primary | Purchase | 783 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 262 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) VOM or VOR missing/required - EV R COMMENT: Borrower 1 and Borrower 2 are currently renting at XX, and XX9. Please provide a copy of the Verification of Rent (VOR), as it is missing from the file. Resolved 11/05/2025 - Received LOX as the borrowers are currently staying in rent on property XX, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 736 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Multiple Source Docs |
No | DSCR | QC Complete | 10/30/2025 | ||||||||||
| 263 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 767 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 265 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 785 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | |||||||||||
| 267 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 40.143% | 40.143% | Investor | Refinance | 812 | XX | 17.5 | $22,974.58 | 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 |
24.426% | Full Documentation | QC Complete | 10/29/2025 | |||||||||
| 268 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 753 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$83,341.31 | DSCR | QC Complete | 11/25/2025 | |||||||||||
| 269 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copies of the most recent two months of bank statements to verify sufficient assets to meet the reserve requirement amount of $23,282.04, as it is missing. Resolved 11/06/2025 - Rate and term transaction not required reserves, condition resolved. |
PUD | XX | 79.149% | 79.149% | Primary | Refinance | 719 | 3 | XX | 7.33 | $91,832.41 | 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 |
18.437% | Alternative | QC Complete | 10/29/2025 | |||||||
| 270 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 795 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 271 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Income documentation does not meet guidelines - EV
R COMMENT: Provide written verification of employment for the borrower, XX, from her employer, XX. Resolved 12/02/2025 - Received paystub and the VVOE, condition resolved. |
Single Family | XX | 57.021% | 57.021% | Primary | Cash Out | 735 | 2 | XX | 8.25 | $11,341.75 | 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 |
$109,068.81 | 43.180% | Full Documentation | QC Complete | 11/25/2025 | ||||||
| 273 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 60.000% | 60.000% | Investor | Cash Out | 682 | XX | $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:90 Verification Type:Credit Report |
$150,112.30 | DSCR | QC Complete | 11/05/2025 | ||||||||||
| 275 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 799 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 276 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing flood cert - EV R COMMENT: Provide a copy of Flood Certificate as it is missing Resolved 10/27/2025- Received Flood Cert, condition resolved. |
Single Family | XX | 56.316% | 56.316% | Primary | Cash Out | 713 | 20 | XX | 16.25 | $36,290.65 | 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 |
$149,800.07 | 16.743% | Alternative | QC Complete | 10/22/2025 | ||||||
| 277 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 281 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Please provide an updated copy of the appraisal report that includes rental comparables. Resolved 11/14/2025 - Received rental comparable with photo copy, condition resolved. |
2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 710 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$6,994.05 | DSCR | QC Complete | 10/27/2025 | ||||||||||
| 282 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 786 | XX | 9.75 | $9,548.34 | 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 |
38.724% | No | Full Documentation | QC Complete | 10/29/2025 | ||||||||
| 283 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Dwelling coverage amount $XX reflecting on the hazard insurance policy is not sufficient to cover the loan amount $XX Resolved 11/03/2025 - RCE provided, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 749 | XX | 0.41 | $15,482.41 | 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 |
47.151% | No | Full Documentation | QC Complete | 10/29/2025 | |||||||
| 284 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Missing Master policy. Resolved 10/28/2025 - Received master policy, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Condominium Questionnaire, as it is missing. Resolved 10/23/2025 - Received condo questionnaire, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing. Resolved 10/23/2025 - Received client LOX as CPL is not required for NY state, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 746 | XX | 2.42 | $8,184.22 | 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:Verification of Rent |
32.297% | Yes | Alternative | QC Complete | 10/15/2025 | |||||||
| 286 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 788 | XX | 9.83 | $79,999.81 | 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 |
26.220% | No | Alternative | QC Complete | 12/04/2025 | ||||||||
| 287 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/28/2025 | |||||||||||
| 288 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for Housing Payment History. A copy of an exception approval letter is available in the loan file. |
FICO: 739 FICO exceeds the guideline requirement of 640. LTV: 60.00% LTV is less than the guideline requirement of 80.00%. Residual Income : $4,111.53 monthly |
Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Primary | Purchase | 739 | XX | $3,643.70 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
33.808% | Yes | Full Documentation | QC Complete | 10/28/2025 | |||||||
| 289 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 724 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 291 | XX | XX | XX | XX | 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 8.173% Allowed 7.810% Overby +0.363% This loan is compliant with regulation 1026.35 |
PUD | XX | 85.000% | 85.000% | Primary | Purchase | 710 | XX | 5.33 | $8,879.55 | 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 |
44.256% | Yes | Alternative | QC Complete | 11/11/2025 | |||||||
| 292 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 733 | XX | 3 | $27,311.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.573% | No | Alternative | QC Complete | 11/13/2025 | ||||||||
| 293 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 76.721% | 76.721% | Primary | Refinance | 791 | 1.75 | XX | 4 | $15,912.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.559% | Full Documentation | QC Complete | 12/04/2025 | ||||||||
| 295 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 756 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/16/2026 | |||||||||||
| 297 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 772 | XX | 2.33 | $14,977.60 | 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 |
17.831% | Yes | Alternative | QC Complete | 11/11/2025 | ||||||||
| 298 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Primary | Purchase | 727 | XX | 2.33 | $61,379.12 | 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 |
8.897% | Yes | Alternative | QC Complete | 10/28/2025 | ||||||||
| 302 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 43.750% | 43.750% | Primary | Purchase | 691 | XX | $32,192.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.670% | No | Alternative | QC Complete | 11/04/2025 | |||||||||
| 303 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 768 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 306 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 65.000% | 65.000% | Investor | Refinance | 752 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
12.879% | Alternative | QC Complete | 10/22/2025 | |||||||||||
| 307 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.000% | 72.000% | Primary | Refinance | 746 | 1.67 | XX | 8.75 | $10,192.14 | 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 |
28.711% | Alternative | QC Complete | 11/20/2025 | ||||||||
| 310 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 42.857% | 42.857% | Primary | Purchase | 803 | XX | $13,184.68 | 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 |
47.612% | No | Alternative | QC Complete | 11/13/2025 | |||||||||
| 312 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 702 | XX | 3 | $14,904.57 | 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 |
35.051% | Yes | Alternative | QC Complete | 11/10/2025 | ||||||||
| 313 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Social Security Award letter. Resolved 11/25/2025 - Received SSA letter, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Use of the Knock program for the departing residence and omitting PITIA on that property accordingly. A copy of an exception approval letter is available in the loan file. |
LTV: 72.56% LTV is less than the guideline requirement of
90.00%. DTI: 5.48% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 72.563% | 72.563% | Primary | Purchase | 714 | XX | $14,426.13 | 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 |
49.528% | No | Alternative | QC Complete | 01/15/2026 | ||||||
| 316 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.283% | 72.283% | Primary | Refinance | 786 | 2 | XX | 9.08 | $9,767.77 | 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 |
41.539% | Full Documentation | QC Complete | 10/27/2025 | ||||||||
| 318 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 29.714% | 29.714% | Primary | Cash Out | 748 | 20 | XX | 18.16 | $17,331.22 | 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 |
$83,313.09 | 23.545% | Alternative | QC Complete | 11/10/2025 | |||||||
| 320 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: The final 1003 must be updated to indicate the refinance type as “Cash-Out.” Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, 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 7.688% Allowed 7.660% Overby +0.028% This loan is compliant with regulation 1026.35. *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: Cash to borrower is $607,104.31, which exceeds the permitted cash-out cap of $500,000 and does not meet guideline requirements. Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Cash Out | 776 | XX | 4.5 | $22,706.49 | 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 |
$622,689.31 | 48.293% | Full Documentation | QC Complete | 01/15/2026 | |||||||
| 322 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 710 | XX | 3.91 | $155,381.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.738% | No | Alternative | QC Complete | 10/21/2025 | ||||||||
| 324 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Page 1 of the 1003 lists the borrower’s primary residence as XXy, while Page 4 identifies the subject property as the primary residence. Despite this inconsistency, the loan was originated and underwritten as a second home. Not Resolved 11/19/2025 - Received LOX, however required updated corrected 1003 application showing the REO section property XX to be changed as Second home, condition not resolved. Resolved 11/25/2025 - Received corrected 1003 for REO section, condition resolved. *** (CURED) Income documentation does not meet guidelines - EV R COMMENT: Payments received on a Note executed within the past 12 months, regardless of its term, cannot be considered stable income. A copy of the Note must be provided to document the terms— including payment amount, frequency, and duration— and to confirm that the income is expected to continue for at least three (3) years. If the borrower is not the original payee on the Note, the creditor must verify that the borrower has the legal right to enforce it. Resolved 11/12/2025- Received Note document with Creditor sign, condition resolved. |
Single Family | XX | 76.482% | 76.482% | Secondary | Cash Out | 735 | XX | $6,943.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$43,191.15 | 44.876% | Alternative | QC Complete | 11/10/2025 | ||||||||
| 325 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Seller’s Statement that includes the seller’s signature. Resolved 10/17/2025 - Received updated Seller Statement with seller signature, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 765 | XX | 15.16 | $26,980.44 | 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 |
35.514% | No | Alternative | QC Complete | 10/13/2025 | |||||||
| 326 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 57.377% | 57.377% | Primary | Refinance | 785 | 1.16 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 10/21/2025 | |||||||||||
| 328 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 707 | 2 | XX | 2.83 | $17,416.06 | 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 |
$65,500.28 | 39.691% | Alternative | QC Complete | 12/10/2025 | |||||||
| 329 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Hazard Insurance with annual premium reflecting on it. Resolved 11/20/2025 - Received hazard insurance document with annual premium, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 747 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:30 Verification Type:Credit Report |
$222,566.00 | DSCR | QC Complete | 11/07/2025 | ||||||||||
| 330 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 54.237% | 54.237% | Primary | Cash Out | 712 | 25 | XX | 10.25 | $37,955.39 | 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 |
$152,797.36 | 12.341% | Alternative | QC Complete | 11/13/2025 | |||||||
| 332 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 60.000% | 60.000% | Primary | Purchase | 812 | XX | $52,319.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.581% | No | Full Documentation | QC Complete | 10/29/2025 | |||||||||
| 333 | XX | XX | XX | XX | 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 8.194% Allowed 7.790% +Overby 0.404% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 764 | XX | 5.75 | $2,490.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
37.853% | Yes | Alternative | QC Complete | 10/27/2025 | |||||||
| 334 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 737 | XX | 10.58 | $9,240.47 | 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 |
34.062% | Yes | Alternative | QC Complete | 11/20/2025 | ||||||||
| 337 | XX | XX | XX | XX | 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 $XX, however, the Note reflects a loan amount of $XX. Resolved 11/21/2025 - Received title commitment, condition resolved. *** (CURED) Subject or Comp Photos are missing or illegible - EV R COMMENT: Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal. Resolved 11/17/2025 - Received Lender response : Rent comparable #1 is the same address as the sale comparable #1. Photo is included for sale comparable #1, condition resolved. |
2 Family | XX | 72.794% | 72.794% | Investor | Cash Out | 735 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$103,575.77 | DSCR | QC Complete | 11/12/2025 | ||||||||||
| 338 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 763 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/09/2025 | |||||||||||
| 341 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: The mortgagee clause on the master insurance policy must reflect XX mortgagee clause. Resolved 12/02/2025 - Received mortgage clause, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Property tax documentation is missing for XX Resolved 11/17/2025 - Received Tax Info, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 783 | XX | 11.25 | $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 |
20.880% | No | Full Documentation | QC Complete | 11/13/2025 | |||||||
| 342 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB Living Rent free for last 5 years. A copy of an exception approval letter is available in the loan file. |
LTV: 75.00% LTV is less than the guideline requirement of
90.00%. DTI: 18.09% DTI is less than the maximum guideline requirement of 50.00%. |
2 Family | XX | 75.000% | 75.000% | Primary | Purchase | 705 | XX | 4.75 | $44,918.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.091% | Yes | Alternative | QC Complete | 11/12/2025 | ||||||
| 343 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing supporting documentation for the additional PITIA component in the amount of $426.97. Resolved 11/18/2025 - Received Condo Questionnaire and LOW for the value $426.97, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 745 | XX | 3.75 | $17,689.85 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.131% | No | Alternative | QC Complete | 11/13/2025 | |||||||
| 347 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 57.377% | 57.377% | Investor | Cash Out | 664 | XX | Mos Reviewed:24 Times 1X30:2 Times 1X60:1 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$336,477.95 | DSCR | QC Complete | 10/29/2025 | |||||||||||
| 348 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 78.399% | 78.399% | Primary | Refinance | 794 | 0.83 | XX | 6.08 | $226,816.16 | 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 |
4.561% | Alternative | QC Complete | 11/04/2025 | ||||||||
| 349 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Housing Payment - EV R COMMENT: Missing documentation for taxes and insurance on below rental properties. 1). XX 2). XX Resolved 11/19/2025 - Received tax and insurance for rental properties, condition resolved. |
Single Family | XX | 18.519% | 18.519% | Primary | Cash Out | 714 | 30 | XX | 35.75 | $9,546.00 | 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 |
$87,995.88 | 41.061% | Alternative | QC Complete | 01/15/2026 | ||||||
| 350 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 796 | XX | 8.75 | $45,051.24 | 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 |
22.553% | No | Full Documentation | QC Complete | 11/07/2025 | ||||||||
| 351 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 74.990% | 74.990% | Investor | Purchase | 768 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 352 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of title supplement report as the insured amount $XX is not covering the loan amount $XX Resolved 11/13/2025 - Received title policy, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Mortgage MERS - MIN number available for 16 digits. Required 18 digit MIN number. Resolved 11/6/2025 - Received 18 digit MIN number, condition resolved. |
Single Family | XX | 69.237% | 69.237% | Primary | Refinance | 740 | 0.5 | XX | 5.75 | $33,606.08 | 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 |
34.040% | Alternative | QC Complete | 11/04/2025 | |||||||
| 353 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 700 | XX | 5.58 | $36,829.13 | 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 |
34.999% | No | Alternative | QC Complete | 11/12/2025 | ||||||||
| 355 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan amount of $XX, below the minimum of $100,000.00 A copy of an exception approval letter is available in the loan file. |
FICO: 766 FICO exceeds the guideline requirement of 720. DSCR: 1.44 DSCR exceeds the guideline requirement of 0.50. Reserves: The 82 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 766 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$85,771.70 | DSCR | QC Complete | 11/10/2025 | |||||||||
| 358 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 66.377% | 66.377% | Investor | Refinance | 811 | XX | 3.41 | $15,575.73 | 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 |
38.449% | Full Documentation | QC Complete | 10/17/2025 | |||||||||
| 359 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 63.683% | 63.683% | Secondary | Purchase | 790 | XX | 7.08 | $10,526.53 | 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 |
27.934% | No | Full Documentation | QC Complete | 11/26/2025 | ||||||||
| 361 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 69.824% | 69.824% | Primary | Refinance | 792 | 1.08 | XX | 7.33 | $134,742.98 | 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 |
7.439% | Alternative | QC Complete | 11/20/2025 | ||||||||
| 362 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 38.461% | 38.461% | Primary | Purchase | 811 | XX | 5.83 | $9,819.53 | 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 |
48.103% | No | Alternative | QC Complete | 01/16/2026 | ||||||||
| 364 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Primary | Purchase | 782 | XX | 10.25 | $5,980.00 | 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 |
41.679% | No | Full Documentation | QC Complete | 10/22/2025 | ||||||||
| 366 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Investor | Purchase | 807 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 368 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 778 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 369 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 819 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/26/2025 | |||||||||||
| 370 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 84.846% | 84.846% | Investor | Purchase | 809 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/05/2025 | |||||||||||
| 372 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Correction required on the 1003 form: In the REO section, the property at XX is incorrectly listed as a Primary Residence. It should be updated to reflect Investment property. Resolved on 10/20/2025 : Received final 1003 after correction , condition resolved. |
2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 758 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$168,575.23 | DSCR | QC Complete | 10/14/2025 | ||||||||||
| 373 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 747 | XX | 7.5 | $36,884.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
17.669% | Yes | Alternative | QC Complete | 11/13/2025 | ||||||||
| 375 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Provide updated appraisal with change in flood zone from X to AE. Resolved 11/19/2025 - Received corrected appraisal report, condition resolved. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 757 | XX | 3.33 | $9,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.159% | No | Alternative | QC Complete | 11/11/2025 | |||||||
| 377 | XX | XX | XX | XX | 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 8.432% Allowed 7.790% Overby+0.642% This loan is compliant with regulation 1026.35. |
Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 684 | 1 | XX | 4.75 | $6,609.97 | 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 |
$184,058.61 | 48.079% | Alternative | QC Complete | 11/11/2025 | ||||||
| 378 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 773 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 379 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB living rent free A copy of an exception approval letter is available in the loan file. |
FICO: 798 FICO exceeds the guideline requirement of 720. DTI: 3.95% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 22 months of available reserves are more than the guideline requirement of 6 months. |
High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 798 | XX | 4 | $295,867.06 | 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 |
3.950% | Yes | Alternative | QC Complete | 11/10/2025 | ||||||
| 381 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title Issue - EV R COMMENT: Missing the settlement agent's liability insurance policy. (Errors & Omissions policy). Resolved 10/22/2025 - Received E&O policy, condition resolved. |
Single Family | XX | 79.628% | 79.628% | Primary | Purchase | 732 | XX | 6.33 | $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 |
6.301% | No | Alternative | QC Complete | 10/14/2025 | |||||||
| 382 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 65.000% | 65.000% | Secondary | Purchase | 786 | XX | 4.33 | $356,168.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
1.887% | No | Alternative | QC Complete | 11/28/2025 | ||||||||
| 384 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 759 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | ||||||||||||
| 385 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 56.391% | 56.391% | Primary | Cash Out | 790 | 7.66 | XX | 7 | $53,564.69 | 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 |
$498,387.83 | 34.442% | Full Documentation | QC Complete | 10/29/2025 | |||||||
| 386 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 45.817% | 45.817% | Primary | Refinance | 762 | 1.16 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.865% | Alternative | QC Complete | 11/13/2025 | ||||||||||
| 387 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Intent to Proceed Missing - EV R COMMENT: Missing Intent to Proceed Document. Resolved 10/23/2025: Received Intent to Proceed dated 09/XX/2025 and exception is cleared. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide supporting documentation to verify the 'Other' component of PITI listed on the application in the amount of $1,000. Resolved 10/29/2025 - Received corrected 1003 by removing other payment $1000, condition resolved. |
Single Family | XX | 79.983% | 79.983% | Primary | Purchase | 801 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/15/2026 | ||||||||||
| 388 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.579% | 64.579% | Primary | Refinance | 754 | 1 | XX | 10.5 | $81,760.55 | 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 |
37.005% | Alternative | QC Complete | 11/07/2025 | ||||||||
| 389 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 70.000% | 70.000% | Primary | Purchase | 732 | XX | 18.33 | $30,475.00 | 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 |
17.153% | Yes | Alternative | QC Complete | 10/29/2025 | ||||||||
| 390 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 74.257% | 74.257% | Investor | Cash Out | 747 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$215,019.66 | DSCR | QC Complete | 11/12/2025 | |||||||||||
| 391 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 50.230% | 50.230% | Investor | Cash Out | 702 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,476.86 | DSCR | QC Complete | 11/20/2025 | |||||||||||
| 392 | XX | XX | XX | XX | 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 8.185% Allowed 7.740% Overby+0.445% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The mortgage being paid off is solely in XX name. Since the current borrower has no housing history, a rent-free letter signed by both the borrower and XX is required. Resolved 11/17/2025 - Received lender response:The mortgage payment is being made out of a joint XX account that we have in the file. Also this is a refi on this file and the other borrower is no longer living rent free in this property so no rent free letter is needed as they are paying the mortgage now and our mortgage is in their name also. |
Single Family | XX | 85.000% | 85.000% | Primary | Refinance | 729 | 5 | XX | 3.16 | $16,552.22 | 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 |
30.462% | Alternative | QC Complete | 11/11/2025 | |||||||
| 393 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documents for $1,197.01 the primary property "XX" as it is missing. Resolved 11/24/2025 - Received mortgage statement for primary property, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Subject property is a log home. A copy of an exception approval letter is available in the loan file. |
FICO: 758 FICO exceeds the guideline requirement of 700. Residual Income : $7,174.41 monthly DTI: 44.44% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX | 68.908% | 68.908% | Investor | Cash Out | 758 | XX | 16.75 | $12,912.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$211,264.47 | 44.440% | Alternative | QC Complete | 11/11/2025 | |||||
| 395 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 770 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/22/2025 | |||||||||||
| 396 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 82.432% | 82.432% | Investor | Refinance | 749 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | ||||||||||||
| 398 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title Issue - EV R COMMENT: Missing the settlement agent's liability policy. (Errors & omissions policy). Resolved 11/04/2025 - Received E&O Policy, condition resolved. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 805 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | ||||||||||
| 399 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 69.838% | 69.838% | Investor | Cash Out | 721 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$64,699.75 | DSCR | QC Complete | 11/28/2025 | |||||||||||
| 401 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 402 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 806 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/29/2025 | |||||||||||
| 403 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 79.817% | 79.817% | Investor | Purchase | 733 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 404 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 70.000% | 70.000% | Investor | Purchase | 797 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 405 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Request to waive the 2nd appraisal report. The CDA variance is -15.6% but the CDA value is $XX and the purchase price is $XX. Both the appraisal and CDA support the appraised value. A copy of an exception approval letter is available in the loan file. |
DTI: 45.50% DTI is less than the maximum guideline requirement
of 50.00%. FICO: 748 FICO exceeds the guideline requirement of 740. Reserves: The 13 months of available reserves are more than the guideline requirement of 9 months. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 748 | XX | 9.75 | $2,126.47 | 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 |
44.965% | No | Full Documentation | QC Complete | 11/12/2025 | ||||||
| 406 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 60.150% | 60.150% | Primary | Cash Out | 752 | 2 | XX | 21.41 | $14,044.65 | 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 |
$219,957.05 | 28.030% | Alternative | QC Complete | 11/13/2025 | |||||||
| 407 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan file does not meet guidelines requirement. As per guidelines 50% DTI allowed. However, Calculated DTI is 52.575% A copy of an exception approval letter is available in the loan file. |
FICO: 783 FICO exceeds the guideline requirement of 700. Reserves: The 74 months of available reserves are more than the guideline requirement of 8 months. LTV: 70.00% LTV is less than the guideline requirement of 85.00%. |
PUD | XX | 70.000% | 70.000% | Primary | Purchase | 783 | XX | $1,339.40 | 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 |
52.575% | No | Full Documentation | QC Complete | 01/15/2026 | |||||||
| 411 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 59.206% | 59.206% | Investor | Refinance | 805 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | ||||||||||||
| 412 | XX | XX | XX | XX | 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 $XX does not cover the loan amount $XX. Provide a copy of the title updated supplement report to cover the loan amount. Resolved 10/29/2025 - Received title report with insured amount, condition resolved. |
PUD | XX | 75.000% | 75.000% | Primary | Purchase | 790 | XX | 7.91 | $24,201.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.541% | Yes | Full Documentation | QC Complete | 10/22/2025 | |||||||
| 414 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets are not sufficient to close - EV R COMMENT: The available assets are insufficient to cover the required reserves and cash to close. Please provide a copy of the seller statement or seller closing disclosure for the property at XXt for $XX, as this document is currently missing. Resolved 11/03/2025 - Received Seller CD with closing amount $XX for property # XX, condition resolved. |
PUD | XX | 85.000% | 85.000% | Primary | Purchase | 750 | XX | 3.08 | $38,279.36 | 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 |
27.044% | No | Alternative | QC Complete | 10/22/2025 | |||||||
| 418 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 10/31/2025 - Received title supplement report with insured amount, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 740 | XX | 21.33 | $69,500.61 | Mos Reviewed:24 Times 1X30:2 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.875% | No | Alternative | QC Complete | 01/15/2026 | |||||||
| 420 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 58.571% | 58.571% | Primary | Cash Out | 756 | 1.91 | XX | 13.66 | $17,830.93 | 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 |
$15,596.16 | 35.922% | Alternative | QC Complete | 12/02/2025 | |||||||
| 421 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 62.162% | 62.162% | Primary | Purchase | 676 | XX | 17.75 | $18,226.24 | 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 |
34.258% | No | Alternative | QC Complete | 10/21/2025 | ||||||||
| 423 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 755 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/29/2025 | |||||||||||
| 425 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 57.389% | 57.389% | Primary | Refinance | 801 | 0.5 | XX | 5.5 | $138,026.00 | 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 |
19.130% | Alternative | QC Complete | 11/04/2025 | ||||||||
| 426 | XX | XX | XX | XX | 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 8.867% Allowed 7.720% Overby+1.147% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception requested for limited documentation to sufficiently verify rental payments. A copy of an exception approval letter is available in the loan file. |
FICO: 794 FICO exceeds the guideline requirement of 720. DTI: 35.17% DTI is less than the maximum guideline requirement of 43.00%. Reserves: The 19 months of available reserves are more than the guideline requirement of 3 months. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 773 | XX | 2.58 | $11,285.71 | 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 |
35.175% | Yes | Alternative | QC Complete | 01/15/2026 | |||||
| 427 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 753 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 428 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Please provide copies of the lease extension agreements for XX (Units 1, 2, and 3), as all current leases have expired. Resolved 11/14/2025 - Received lease agreement, condition resolved. |
4 Family | XX | 55.556% | 55.556% | Investor | Cash Out | 767 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$343,836.58 | DSCR | QC Complete | 11/11/2025 | ||||||||||
| 429 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 724 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/29/2025 | |||||||||||
| 432 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 712 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 434 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of condo questionnaire as it is missing. Resolved 11/04/2025 - Received LOX as condo questionnaire is not required for FNMA Approved project, condition resolved. |
High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 796 | XX | 0.08 | $13,591.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.487% | Yes | Full Documentation | QC Complete | 10/29/2025 | |||||||
| 435 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 808 | XX | 2 | $46,145.76 | 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 |
9.597% | Yes | Alternative | QC Complete | 11/11/2025 | ||||||||
| 437 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 796 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 438 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 724 | XX | 2.16 | $6,912.29 | 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 |
33.676% | Yes | Alternative | QC Complete | 11/20/2025 | ||||||||
| 441 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 10/20/2025 : Received title report with amount of title insurance covering the loan amount, condition resolved. |
Single Family | XX | 44.980% | 44.980% | Primary | Purchase | 809 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 442 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 745 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$136,337.11 | DSCR | QC Complete | 11/21/2025 | |||||||||||
| 447 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Final Closing Disclosure. Resolved 10/29/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |
3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/15/2026 | ||||||||||
| 450 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 796 | 1.66 | XX | 9.33 | $12,591.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.228% | Full Documentation | QC Complete | 11/25/2025 | ||||||||
| 451 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of proof of omission for below liability account: 1)XX Balance:$8,0000 and Payment:$516 2)XX Balance:$5,000 and Payment $390 Resolved 11/17/2025 - Received Lender response, condition resolved. |
PUD | XX | 68.841% | 68.841% | Primary | Refinance | 677 | 8.08 | XX | 7.75 | $28,492.23 | 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 |
41.385% | Alternative | QC Complete | 11/11/2025 | |||||||
| 452 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the lease agreement for the subject property located at XX Resolved 11/14/2025 - Purchase investment not required lease agreement, condition resolved. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 752 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/07/2025 | ||||||||||
| 453 | XX | XX | XX | XX | 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 : waive prior verification of rent from when borrower was living overseas. A copy of an exception approval letter is available in the loan file. |
FICO: 766 FICO exceeds the guideline requirement of 720. Reserves: The 7 months of available reserves are more than the guideline requirement of 6 months. DSCR: 1.52 DSCR exceeds the guideline requirement of 1.00. |
2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 766 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/04/2025 | |||||||||
| 455 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 784 | XX | 5.91 | $46,739.59 | 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 |
33.788% | No | Alternative | QC Complete | 11/21/2025 | ||||||||
| 457 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 458 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: The Hazard insurance policy binders in the loan file that are "active" are both dated 10/XX/2025 however, the note & close of escrow date is 10/XX2/2025. There was no active policy in place at the time of official close of the subject transaction. (there are several "QUOTED policies in the file however, those are not active or in place prior to or equal to the note date/close date). Guidelines require Hazard insurance be effective on or before the note/close date. A valid policy should have been obtained to document the building's dwelling coverage prior to close. Resolved 10/23/2025 - Received Client response as " This is an escrow state and the loan did not disburse until 10/XX. There for the hoi policy dated 10/XX was valid ", condition resolved. |
4 Family | XX | 85.000% | 85.000% | Investor | Purchase | 805 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 462 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 60.000% | 60.000% | Investor | Cash Out | 750 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$142,192.29 | DSCR | QC Complete | 10/06/2025 | |||||||||||
| 465 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Cash Out | 785 | 1.08 | XX | 30.75 | $10,550.33 | 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 |
$393,077.36 | 39.296% | Alternative | QC Complete | 11/07/2025 | |||||||
| 466 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 777 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | |||||||||||
| 467 | XX | XX | XX | XX | 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 8.134% Allowed 7.740% Overby +0.394% This loan is compliant with regulation 1026.35 *** (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 8.134% Allowed 7.740% Overby +0.394% This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FICO = 4 pt FICO exception to allow up to max LTV of 90% A copy of an exception approval letter is available in the loan file. |
DTI: 44.62% DTI is less than the maximum guideline requirement
of 50.00%. Residual Income: $8,761.38 monthly. |
PUD | XX | 90.000% | 90.000% | Primary | Purchase | 716 | XX | 8.83 | $9,340.25 | 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 |
44.625% | Yes | Alternative | QC Complete | 11/14/2025 | |||||
| 471 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 78.548% | 78.548% | Investor | Purchase | 741 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/21/2025 | |||||||||||
| 473 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal. Resolved 11/25/2025 - Received corrected comparable 1 photos, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 735 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$37,575.62 | DSCR | QC Complete | 11/12/2025 | ||||||||||
| 475 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 65.753% | 65.753% | Primary | Purchase | 802 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 478 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Income documentation does not meet guidelines - EV
R COMMENT: Proof of disability income and documentation for the 2024 tax extension are missing. Resolved 10/22/2025 - Received disability income document, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 729 | XX | $28,145.50 | 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 |
36.598% | No | Full Documentation | QC Complete | 10/13/2025 | ||||||||
| 479 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated appraisal report with occupancy as "Tenant" or "vacant" as the transaction type is refinance of investment. Resolved 11/25/2025 - Received revised appraisal report, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Final Closing Disclosure. Resolved 11/21/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |
Low Rise Condo (1-4 Stories) | XX | 56.601% | 56.601% | Investor | Refinance | 762 | XX | 12.08 | $32,453.70 | 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 |
29.160% | Full Documentation | QC Complete | 01/15/2026 | ||||||||
| 485 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 759 | XX | 6.75 | $14,763.00 | 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 |
34.274% | No | Alternative | QC Complete | 11/13/2025 | ||||||||
| 488 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 795 | XX | 2.58 | $25,175.94 | 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 |
34.947% | Yes | Alternative | QC Complete | 11/12/2025 | ||||||||
| 489 | XX | XX | XX | XX | 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 title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. Resolved 11/14/2025 - Received title report, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 735 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,933.50 | DSCR | QC Complete | 11/12/2025 | ||||||||||
| 493 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 75.000% | 75.000% | Investor | Purchase | 775 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/07/2025 | |||||||||||
| 494 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Required Documentation Missing - EV W COMMENT: Income to allow joint bank statement for SELF product without requiring joint owner to be on the loan. A copy of an exception approval letter is available in the loan file. |
FICO: 802 FICO exceeds the guideline requirement of 740. DTI: 38.37% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $$5,417.81.00 monthly |
Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 802 | XX | 1.08 | $8,791.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.374% | No | Alternative | QC Complete | 10/28/2025 | ||||||
| 495 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 | XX | 0.58 | $12,500.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.828% | No | Full Documentation | QC Complete | 12/04/2025 | ||||||||
| 496 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 26.970% | 26.970% | Primary | Cash Out | 740 | 13.25 | XX | 3.5 | $14,272.06 | 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 |
$61,146.63 | 22.703% | Alternative | QC Complete | 11/04/2025 | |||||||
| 497 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 55.090% | 55.090% | Primary | Purchase | 781 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 10/29/2025 | |||||||||||
| 500 | XX | XX | XX | XX | 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 8.015% Allowed 7.670% Overby +0.345%. This loan is compliant with regulation 1026.35. |
Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 733 | XX | 20.91 | $18,190.00 | 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 |
44.241% | Yes | Alternative | QC Complete | 11/24/2025 | |||||||
| 502 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 68.928% | 68.928% | Investor | Cash Out | 709 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$210,040.17 | DSCR | QC Complete | 11/13/2025 | |||||||||||
| 503 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 62.667% | 62.667% | Primary | Refinance | 798 | 2.75 | XX | 5.42 | $114,042.96 | 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 |
9.206% | Alternative | QC Complete | 11/20/2025 | ||||||||
| 505 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$205,828.86 | DSCR | QC Complete | 11/12/2025 | |||||||||||
| 506 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 78.740% | 78.740% | Investor | Purchase | 785 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/22/2025 | |||||||||||
| 508 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 794 | XX | 17.66 | $47,430.66 | 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 |
23.534% | No | Full Documentation | QC Complete | 10/21/2025 | ||||||||
| 511 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 778 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||||
| 512 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 12/2/2025 - Received title report with insured amount, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 749 | XX | 2.83 | $38,035.00 | 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 |
14.449% | No | Alternative | QC Complete | 11/21/2025 | |||||||
| 513 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 808 | XX | 25.16 | $67,026.00 | 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 |
14.739% | No | Alternative | QC Complete | 10/29/2025 | ||||||||
| 514 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: The Hazard Insurance in the loan file lists the property address however, it is incomplete. The location premises insured is listed as "XX" without a street number. The subject property should be listed in full as stated on the Note and all other loan documents. XXt). Resolved 11/11/2025 - Received updated insurance document, condition resolved. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 771 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 515 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 779 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||||
| 517 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 58.567% | 58.567% | Investor | Cash Out | 741 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$105,074.61 | 37.088% | Full Documentation | QC Complete | 10/27/2025 | ||||||||||
| 518 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 668 | 0.58 | XX | 9.41 | $15,470.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$449,160.12 | 30.353% | Alternative | QC Complete | 01/16/2026 | |||||||
| 520 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 25.157% | 25.157% | Investor | Cash Out | 797 | XX | $1,557.00 | 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 |
$91,948.57 | 26.076% | Full Documentation | QC Complete | 11/10/2025 | |||||||||
| 521 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 765 | 2.33 | XX | 15.58 | $85,904.00 | 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 |
$100,925.48 | 32.704% | Alternative | QC Complete | 12/04/2025 | |||||||
| 523 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 64.010% | 64.010% | Investor | Purchase | 757 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||||
| 527 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Cash Out | 790 | XX | 8.42 | $99,849.00 | 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 |
$480,574.34 | 20.247% | Alternative | QC Complete | 11/11/2025 | ||||||||
| 528 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide hazard Insurance for subject property with correct mortgagee clause. Resolved 11/20/2025 - Received insurance with mortgage clause, condition resolved. |
Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 712 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$99,964.79 | DSCR | QC Complete | 11/05/2025 | ||||||||||
| 529 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated master policy with borrower name & mortgage clause reflecting on it. Resolved 11/19/2025 - Received LOE as the master policy does not mandatory to list borrower and XX mortgagee clause, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 730 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | ||||||||||
| 530 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.006% | 72.006% | Primary | Refinance | 765 | 0.75 | XX | 21.25 | $13,339.86 | 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 |
42.920% | Alternative | QC Complete | 11/11/2025 | ||||||||
| 531 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 70.543% | 70.543% | Investor | Purchase | 784 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 533 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Needed initial Closing Disclosure prior to 3 business days of consummation date 10/XX/2025. Resolved 11/17/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Having 2024 and 2023 transcripts, missing record of account, already have confirmation on IRS payment plan A copy of an exception approval letter is available in the loan file. |
FICO: 765 FICO exceeds the guideline requirement of 720. LTV: 77.84% LTV is less than the guideline requirement of 85.00%. DTI: 44.41% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 765 | XX | 3.83 | $38,475.68 | 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 |
44.415% | No | Full Documentation | QC Complete | 11/10/2025 | |||||
| 534 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of hazard insurance with Mortgage Clause. Resolved 11/20/2025 - Received insurance document with mortgage clause, condition resolved. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 817 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | ||||||||||
| 538 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 1 | 2 | 1 | No | No | *** (WAIVED) Property Issues indicated - EV W COMMENT: The subject is a log cabin; it is not acceptable by the guidelines. A copy of an exception approval letter is available in the loan file. |
FICO: 793 FICO exceeds the guideline requirement of 720. DSCR: 1.15 DSCR exceeds the guideline requirement of 1.00. Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. |
PUD | XX | 80.000% | 80.000% | Investor | Purchase | 793 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/15/2026 | |||||||||
| 539 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 801 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/09/2025 | |||||||||||
| 540 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 746 | XX | 7.58 | $16,999.05 | 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 |
49.886% | No | Full Documentation | QC Complete | 10/27/2025 | ||||||||
| 543 | XX | XX | XX | XX | 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 7.880% Allowed 7.790% Overby +0.090% This loan is compliant with regulation 1026.35. |
PUD | XX | 85.000% | 85.000% | Primary | Purchase | 813 | XX | 6.25 | $11,441.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.947% | Yes | Alternative | QC Complete | 11/14/2025 | |||||||
| 545 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Project legals allow fractional ownership and Insufficient reserves, 5.14% reserve allocation andonly 12.74% reserve balance (20% required) A copy of an exception approval letter is available in the loan file. *** (WAIVED) Property Type does not meet eligibility requirement(s) - EV W COMMENT: Requesting SLE as condo is XX square feet which is less than the minimum square footage allowed of 500 sq ft A copy of an exception approval letter is available in the loan file. |
FICO: 753 FICO exceeds the guideline requirement of 720. DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. FICO: 753 FICO exceeds the guideline requirement of 720. DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |
Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 753 | XX | 4.25 | $14,666.66 | 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 |
26.208% | No | Full Documentation | QC Complete | 11/04/2025 | ||||||
| 546 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Please correct the property address on the hazard insurance to: XX Resolved 11/7/2025 - Received hazard insurance document with corrected property address, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Purchase | 719 | XX | 3.58 | $34,758.15 | 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 |
31.751% | No | Alternative | QC Complete | 10/13/2025 | |||||||
| 547 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 810 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/01/2025 | |||||||||||
| 548 | XX | XX | XX | XX | 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 9.155% Allowed 8.810% Overby +0.345% This loan is compliant with regulation 1026.35. |
PUD | XX | 90.000% | 90.000% | Primary | Purchase | 733 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.187% | No | Alternative | QC Complete | 10/29/2025 | |||||||||
| 553 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of the driver's license or other acceptable form of identification for the borrower, as it is missing. Resolved 10/09/2025 - Received GOV ID, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide updated copies of the loan approval and Form 1008, as both currently show a loan amount of $XX, which does not match the Note reflecting $XX Resolved 10/10/2025 - Received Updated 1008 document with loan amount, condition resolved. |
Single Family | XX | 76.236% | 76.236% | Investor | Purchase | 790 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 555 | XX | XX | XX | XX | 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 8.011% Allowed 7.740% Overby +0.271% This loan is compliant with regulation 1026.35. |
Single Family | XX | 50.000% | 50.000% | Primary | Cash Out | 659 | 4.75 | XX | 2.5 | $22,955.39 | 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 |
$92,010.48 | 16.582% | Alternative | QC Complete | 01/16/2026 | ||||||
| 556 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide income documentation verifying $2,575.08 for the borrower, XX Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide income documentation verifying $9,379.35 for the borrower, XX Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 759 | XX | $9,379.35 | 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 |
47.364% | No | Alternative | QC Complete | 10/24/2025 | ||||||||
| 557 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: XX XX 30 Year Fixed 1 Yr Bank Stmt A copy of an exception approval letter is available in the loan file. |
FICO: 738 FICO exceeds the guideline requirement of 700. LTV: 70.98% LTV is less than the guideline requirement of 80.00%. Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | XX | 70.976% | 70.976% | Primary | Cash Out | 738 | 17 | XX | 10.66 | $5,842.78 | 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 |
$157,440.04 | 49.951% | Alternative | QC Complete | 11/07/2025 | |||||
| 559 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount XX. Resolved 11/14/2025 - Received title policy, condition resolved. |
Single Family | XX | 49.371% | 49.371% | Primary | Refinance | 789 | 30 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 11/07/2025 | ||||||||||
| 561 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Credit history does not meet guidelines - EV R COMMENT: The loan does not meet the requirement of having three (3) tradelines from traditional credit sources that have been reported for at least 12 months prior to the application date (open or closed), including at least one (1) tradeline that has been reported for a minimum of twenty-four (24) months. Resolved on 11/17/2025: Received credit supplement to verify 24 months payment history , 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 9.516% Allowed 7.740% Overby +1.776% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: EAD/Visa/Green Card A copy of an exception approval letter is available in the loan file. |
FICO: 726 FICO exceeds the guideline requirement of 720. Reserves: The 6 months of available reserves are more than the guideline requirement of 3 months. DTI: 27.77% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 726 | XX | 2.25 | $10,589.29 | 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 |
27.766% | Yes | Alternative | QC Complete | 11/10/2025 | |||||
| 562 | XX | XX | XX | XX | 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 7.832% Allowed 7.810% Overby +0.022% This loan is compliant with regulation 1026.35. |
Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 761 | XX | 0.83 | $4,583.33 | 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 |
47.373% | No | Full Documentation | QC Complete | 10/29/2025 | |||||||
| 563 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: Rent comparable photos are missing from the loan file. Please provide photos for all rent comparables listed in the appraisal. Resolved 11/04/2025 - Received Rent comparable, condition resolved. |
Single Family | XX | 44.811% | 44.811% | Investor | Cash Out | 750 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$465,438.52 | DSCR | QC Complete | 10/27/2025 | ||||||||||
| 564 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of lease agreement for XX, as it is currently missing from the loan file. Resolved 11/21/2025 - Received lease agreement, condition resolved. |
2 Family | XX | 62.292% | 62.292% | Investor | Refinance | 750 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/14/2025 | |||||||||||
| 565 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 57.971% | 57.971% | Primary | Purchase | 762 | XX | 19.75 | $25,412.59 | 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 |
46.989% | No | Full Documentation | QC Complete | 01/16/2026 | ||||||||
| 570 | XX | XX | XX | XX | 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 title insurance of $XX on the Title Commitment is less than the loan amount $XX Resolved 10/29/2025 - Received final title policy, condition resolved. |
Single Family | XX | 72.838% | 72.838% | Investor | Cash Out | 802 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$322,755.38 | DSCR | QC Complete | 10/24/2025 | ||||||||||
| 572 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.826% | 72.826% | Primary | Cash Out | 727 | 2 | XX | 5.16 | $4,905.55 | 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 |
$48,074.72 | 49.349% | Alternative | QC Complete | 10/28/2025 | |||||||
| 573 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 733 | XX | 8.66 | $8,081.58 | 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 |
38.756% | No | Full Documentation | QC Complete | 11/13/2025 | ||||||||
| 574 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Lack of full 2 year foreign income verification prior to employment gap A copy of an exception approval letter is available in the loan file. |
FICO: 756 FICO exceeds the guideline requirement of 720. DTI: 42.36% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 756 | XX | 1.75 | $3,250.00 | 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 |
42.357% | No | Full Documentation | QC Complete | 10/31/2025 | ||||||
| 576 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 724 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | ||||||||||||
| 578 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 746 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 579 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 67.213% | 67.213% | Primary | Refinance | 762 | 2.75 | XX | 4.16 | $16,708.43 | 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 |
33.171% | Full Documentation | QC Complete | 11/13/2025 | ||||||||
| 580 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 756 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 582 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 725 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/09/2025 | |||||||||||
| 583 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 74.657% | 74.657% | Investor | Refinance | 746 | XX | 12.08 | $28,248.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.797% | Full Documentation | QC Complete | 10/28/2025 | |||||||||
| 584 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 790 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/10/2025 | |||||||||||
| 585 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: Provide a copy of the updated appraisal report, including interior photos, comparable sales photos, and page 7, which is currently missing. Resolved 11/11/2025 - Received appraisal report page no 7, condition resolved. |
2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 702 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/29/2025 | ||||||||||
| 587 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) DTI > 50% - EV R COMMENT: Provide documentation to support the exclusion of XX Resolved 11/28/2025 - Received LOX as the account is paid off, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 740 | 19 | XX | 3.41 | $11,553.00 | 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 |
$67,154.66 | 48.382% | Alternative | QC Complete | 11/21/2025 | ||||||
| 588 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing required 1-4 family rider - EV R COMMENT: Provide a copy of 1-4 family rider, as it is missing. Resolved 10/21/2025 - Received 1-4 family rider, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing. Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |
Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 758 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 589 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 744 | XX | 5.58 | $13,354.60 | 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 |
35.864% | Yes | Alternative | QC Complete | 11/12/2025 | ||||||||
| 590 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Borrower Govt-ID as it is missing Resolved 11/17/2025 - Received GOV ID, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 726 | XX | 6.18 | $37,745.39 | 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 |
16.472% | Yes | Alternative | QC Complete | 11/12/2025 | |||||||
| 591 | XX | XX | XX | XX | 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: Charge 7.965% Allowed 7.740% Overby+0.225% This loan is compliant with regulation 1026.35. |
Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 716 | XX | 5.75 | $20,665.43 | 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 |
26.578% | No | Alternative | QC Complete | 11/10/2025 | |||||||
| 592 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 715 | XX | 4.33 | $8,768.47 | 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 |
38.253% | No | Alternative | QC Complete | 11/12/2025 | ||||||||
| 593 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 772 | XX | 2.25 | $20,503.78 | 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 |
42.637% | No | Alternative | QC Complete | 11/25/2025 | ||||||||
| 597 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Missing Title commitment/Preliminary report. Resolved 10/31/2025 - Received title report, condition resolved. |
4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 794 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | ||||||||||
| 600 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 701 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$111,466.24 | DSCR | QC Complete | 11/12/2025 | |||||||||||
| 601 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Secondary | Purchase | 798 | XX | 24.08 | $26,510.00 | 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 |
19.132% | No | Full Documentation | QC Complete | 11/20/2025 | ||||||||
| 604 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 51.566% | 51.566% | Primary | Purchase | 776 | XX | 6.08 | $23,097.08 | 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 |
26.517% | No | Alternative | QC Complete | 11/10/2025 | ||||||||
| 606 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 779 | XX | 6.83 | $32,077.73 | 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 |
41.786% | No | Alternative | QC Complete | 11/13/2025 | ||||||||
| 607 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 744 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | |||||||||||
| 609 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: To allow a non-per resident with a H1B VISA A copy of an exception approval letter is available in the loan file. |
DSCR: 1.50 DSCR exceeds the guideline requirement of 0.50. FICO: 734 FICO exceeds the guideline requirement of 720. Reserves: The 275 months of available reserves are more than the guideline requirement of 6 months. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||
| 610 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 803 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 612 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 755 | 4.33 | XX | 7.5 | $25,224.02 | 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 |
$366,247.40 | 23.987% | Alternative | QC Complete | 10/27/2025 | |||||||
| 613 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 783 | XX | 8.67 | $14,435.54 | 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 |
35.742% | No | Full Documentation | QC Complete | 10/27/2025 | ||||||||
| 615 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 789 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| Removed from deal | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/16/2026 | |||||||||||
| 621 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 724 | XX | 5.83 | $51,634.19 | 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 |
37.492% | No | Alternative | QC Complete | 12/10/2025 | ||||||||
| 623 | XX | XX | XX | XX | 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 Preliminary Title is less than the loan amount. The supplement report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX. Resolved 10/31/2025 - Received final title policy, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide bank statement #XX for month of August 2025. Resolved 11/03/2025 - Received online bank statement sheet for Aug 2025, condition resolved. |
Single Family | XX | 63.153% | 63.153% | Investor | Refinance | 766 | XX | 9.75 | $13,944.50 | 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 |
32.005% | Alternative | QC Complete | 10/27/2025 | ||||||||
| 624 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 80.000% | 80.000% | Investor | Refinance | 750 | XX | 3.25 | $18,446.58 | 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 |
46.989% | Full Documentation | QC Complete | 10/28/2025 | |||||||||
| 625 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 723 | XX | 4 | $10,354.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.254% | No | Full Documentation | QC Complete | 10/29/2025 | ||||||||
| 626 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: A copy of the April 2025 bank statement for account #XX at XX is missing from the loan documentation. Resolved 11/14/2025 - Received April month statement, condition resolved. |
Single Family | XX | 64.706% | 64.706% | Primary | Cash Out | 762 | 7.5 | XX | 10 | $13,333.00 | 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 |
$323,031.54 | 38.761% | Alternative | QC Complete | 11/11/2025 | ||||||
| 627 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX Resolved 11/28/2025 - Received title insured amount, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 768 | XX | 6.58 | $27,756.36 | 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 |
27.903% | No | Alternative | QC Complete | 11/10/2025 | |||||||
| 628 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 740 | 9 | XX | 10 | $22,069.99 | 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 |
$193,233.29 | 42.025% | Alternative | QC Complete | 11/20/2025 | |||||||
| 629 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Original LTV (OLTV) does not meet eligibility
requirement(s) - EV R COMMENT: Guidelines permit a maximum LTV of 75% for condotel properties; however, the submitted loan reflects an 80% LTV, which does not meet requirements. Resolved 10/21/2025 - 75% max LTV for a condotel only applies when the loan is a cash out refinance. This loan is a purchase. LOE provided, condition resolved |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 780 | XX | 2.25 | $19,020.17 | 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 |
43.335% | No | Full Documentation | QC Complete | 10/13/2025 | |||||||
| 632 | XX | XX | XX | XX | 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 11/14/2025: Received Initial Escrow Account Disclosure dated 10/29/2025 and exception is cleared. |
Low Rise Condo (1-4 Stories) | XX | 59.138% | 59.138% | Secondary | Refinance | 786 | XX | 16.17 | $79,956.15 | 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 |
12.230% | Alternative | QC Complete | 11/12/2025 | ||||||||
| 633 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) DTI > 50% - EV W COMMENT: DTI of 54% exceeds max of 50% A copy of an exception approval letter is available in the loan file. |
FICO: 734 FICO exceeds the guideline requirement of 640. Residual Income : $10,469.94 monthly |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 734 | XX | 15.5 | $22,671.00 | 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 |
53.818% | No | Alternative | QC Complete | 11/12/2025 | ||||||
| 634 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 789 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$59,426.86 | DSCR | QC Complete | 10/16/2025 | |||||||||||
| 635 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 32.258% | 32.258% | Investor | Cash Out | 696 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$92,300.69 | DSCR | QC Complete | 11/10/2025 | |||||||||||
| 637 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 747 | XX | 23.33 | $28,432.73 | 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 |
36.101% | No | Alternative | QC Complete | 11/10/2025 | ||||||||
| 638 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 42.307% | 42.307% | Primary | Purchase | 720 | XX | 13.08 | $50,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.422% | No | Full Documentation | QC Complete | 11/10/2025 | ||||||||
| 639 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Amount of title insurance $XX is missing. Provide a copy of supplemental title insurance which covers the loan amount'. Resolved 11/13/2025 - Received title insured amount, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower's DTI (52.959%) exceeding guideline maximum DTI 50% A copy of an exception approval letter is available in the loan file. |
FICO: 703 FICO exceeds the guideline requirement of 700. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 703 | XX | 4.75 | $79,329.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
52.959% | No | Alternative | QC Complete | 11/10/2025 | |||||
| 644 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 76.103% | 76.103% | Primary | Refinance | 795 | 1.83 | XX | 10.33 | $39,163.89 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.397% | Alternative | QC Complete | 11/05/2025 | ||||||||
| 645 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 64.286% | 64.286% | Primary | Purchase | 723 | XX | 8.16 | $20,890.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.476% | No | Alternative | QC Complete | 10/29/2025 | ||||||||
| 647 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 721 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/14/2025 | |||||||||||
| 648 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 72.289% | 72.289% | Primary | Cash Out | 727 | 4.58 | XX | 25.66 | $13,035.42 | 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 |
$109,896.08 | 44.565% | Full Documentation | QC Complete | 11/09/2025 | |||||||
| 649 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 800 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$153,249.30 | DSCR | QC Complete | 11/11/2025 | |||||||||||
| 650 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 74.656% | 74.656% | Primary | Cash Out | 715 | 7.83 | XX | 0.25 | $16,666.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$260,197.87 | 49.153% | Full Documentation | QC Complete | 12/05/2025 | |||||||
| 651 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 661 | XX | 10.25 | $45,771.60 | 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 |
14.407% | No | Alternative | QC Complete | 01/16/2026 | ||||||||
| 652 | XX | XX | XX | XX | 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 (XX). Resolved 10/27/2025- Received Government ID, condition resolved. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 752 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/22/2025 | ||||||||||
| 653 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 786 | 25.66 | XX | 14.42 | $19,536.04 | 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 |
$223,554.58 | 18.931% | Alternative | QC Complete | 11/07/2025 | |||||||
| 654 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 797 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 657 | XX | XX | XX | XX | 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 8.270% Allowed 7.790% OverBy +0.480% This loan is compliant with regulation 1026.35. |
High Rise Condo (>=9 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 795 | XX | 5.33 | $32,518.78 | 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 |
39.421% | No | Full Documentation | QC Complete | 01/20/2026 | |||||||
| 659 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.889% | 64.889% | Primary | Cash Out | 746 | 5.41 | XX | 17.83 | $7,420.00 | 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 |
$69,952.90 | 9.585% | Alternative | QC Complete | 12/08/2025 | |||||||
| 660 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 742 | XX | 20.75 | $43,582.62 | 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 |
$99,938.15 | 33.788% | Alternative | QC Complete | 10/27/2025 | ||||||||
| 662 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 79.831% | 79.831% | Primary | Refinance | 776 | 1.5 | XX | 25.66 | $62,362.17 | 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 |
31.777% | Full Documentation | QC Complete | 11/20/2025 | ||||||||
| 664 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 59.238% | 59.238% | Investor | Cash Out | 701 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$53,867.00 | DSCR | QC Complete | 11/13/2025 | |||||||||||
| 665 | XX | XX | XX | XX | 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 title insurance of $XX on the Title Commitment is less than the loan amount $XX Resolved 11/25/2025 -Received title insured amount, condition resolved. |
4 Family | XX | 72.995% | 72.995% | Investor | Refinance | 784 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/14/2025 | |||||||||||
| 666 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 731 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 667 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX Resolved 11/10/2025 - Received title document, condition resolved. |
Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 667 | 13.5 | XX | 2.08 | $6,978.64 | 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 |
$199,064.48 | 39.586% | Alternative | QC Complete | 11/05/2025 | ||||||
| 668 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 767 | XX | 7.58 | $56,819.92 | 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 |
23.176% | No | Alternative | QC Complete | 10/29/2025 | ||||||||
| 670 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: Photos of rent comparables are missing from the loan package. Please provide images for all rent comparables listed in the appraisal. Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |
Single Family | XX | 79.679% | 79.679% | Investor | Purchase | 795 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 674 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Lease agreement for the Subject Property - XX Resolved 10/28/2025 - Received DSCR calculator with comments stating " Property units are vacant & Lease amount $800 is considered as per lender requirement, condition resolved. |
2 Family | XX | 70.000% | 70.000% | Investor | Purchase | 788 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 676 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R COMMENT: TRID violation due to Appraisal Re-Inspection fee added on Final CD dated 11/XX/2025. Initial LE dated 10/XX/2025 reflectsAppraisal Re-Inspection fee as $0.00 however, Final CD dated 11/XX/2025 reflects the Appraisal Re-Inspection fee as $200.00, Require PCCD/COC to cure the tolerance violation of $200.00. Resolved 12/03/2025: Received change of circumstance dated 10/XX/2025 and exception is cleared. *** (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 8.380% Allowed 7.670% Overby +0.710% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 785 | XX | 9.66 | $132,025.24 | 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 |
6.453% | No | Alternative | QC Complete | 11/26/2025 | |||||||
| 678 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing. Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |
Single Family | XX | 73.165% | 73.165% | Primary | Cash Out | 734 | 5 | XX | 12.58 | $44,010.22 | 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 |
$499,711.99 | 15.858% | Alternative | QC Complete | 10/13/2025 | ||||||
| 680 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$146,933.18 | DSCR | QC Complete | 11/25/2025 | |||||||||||
| 681 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Cash Out | 785 | XX | 16.42 | $14,595.95 | 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 |
$295,039.52 | 38.275% | No Documentation | QC Complete | 11/05/2025 | ||||||||
| 682 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a clear copy of borrower ID. Resolved 11/20/2025 - Received GOV ID, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for Log home property. A copy of an exception approval letter is available in the loan file. |
LTV: 39.98% LTV is less than the guideline requirement of
85.00%. DTI: 31.58% DTI is less than the maximum guideline requirement of 50.00%. FICO: 769 FICO exceeds the guideline requirement of 700. |
Single Family | XX | 38.976% | 38.976% | Primary | Purchase | 769 | XX | $5,655.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.582% | No | Alternative | QC Complete | 01/15/2026 | ||||||
| 683 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: provide a copy of the 1004D completion report or the updated appraisal report, along with photos documenting the hole in the wall leading to the neighboring unit, mold damage, and the ceiling crack on the third floor. Resolved 10/17/2025 - Received LOE document and invoice for repairs is also attached, condition resolved. |
Single Family | XX | 68.678% | 68.678% | Investor | Cash Out | 800 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$86,654.96 | DSCR | QC Complete | 10/08/2025 | ||||||||||
| 684 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exclude joint personal account holder (XX) requirement to be added as coborrower on mortgage loan. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
90.00%. FICO: 740 FICO exceeds the guideline requirement of 720. DTI: 25.67% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 740 | XX | 3.92 | $52,259.33 | 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 |
25.671% | No | Alternative | QC Complete | 12/09/2025 | ||||||
| 685 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 801 | XX | 6.75 | $7,276.46 | 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 |
41.666% | Yes | Alternative | QC Complete | 11/13/2025 | ||||||||
| 686 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 50.000% | 50.000% | Primary | Purchase | 804 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/09/2025 | |||||||||||
| 687 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 779 | XX | 5.16 | $1,949.18 | 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 |
36.606% | No | Full Documentation | QC Complete | 11/12/2025 | ||||||||
| 688 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing the 2025 YTD pay stub and W-2s for 2024 and 2023 for income verification. Resolved 12/08/2025 - Received LOX as the VVOE and satisfy the income documentation, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 807 | XX | 3.83 | $23,470.83 | 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 |
27.226% | No | Full Documentation | QC Complete | 11/14/2025 | |||||||
| 689 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.152% | 70.152% | Investor | Cash Out | 767 | XX | 22.42 | $14,033.00 | 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 |
$466,850.22 | 46.357% | Alternative | QC Complete | 10/21/2025 | ||||||||
| 692 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 48.305% | 48.305% | Primary | Cash Out | 779 | 0.67 | XX | 0.5 | $20,833.33 | 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 |
$182,465.13 | 25.116% | Full Documentation | QC Complete | 11/12/2025 | |||||||
| 694 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 731 | XX | 8.08 | $35,796.50 | 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 |
47.344% | Yes | Alternative | QC Complete | 11/13/2025 | ||||||||
| 695 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: To allow a non-per resident with a H1B VISA. A copy of an exception approval letter is available in the loan file. |
FICO: 734 FICO exceeds the guideline requirement of 720. LTV: 78.13% LTV is less than the guideline requirement of 85.00%. Reserves: The 303 months of available reserves are more than the guideline requirement of 6 months. |
2 Family | XX | 78.125% | 78.125% | Investor | Purchase | 734 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||
| 696 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 721 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/09/2025 | |||||||||||
| 697 | XX | XX | XX | XX | 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: Charge 8.658% Allowed 7.810% Overby+0.848% This loan is compliant with regulation 1026.35. *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: Loan files does not meet guidelines requirement. As per guidelines "XX Product Summary: Retail, JV, DTC, WHL Bank Statement, 1099 and P&L Program" one (1) trade line reporting for a minimum of twenty-four (24) months from the application date. However, the credit report in this file does not reflect any tradeline meeting the required 24-month reporting period. Resolved 11/19/2025 - Received VOR for rental properties and covering the 24 months trade line requirement, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Gift source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received). Resolved 11/18/2025 - Received Gift wire, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a updated copy of the Appraisal Report and CDA Report reflecting the correct loan number. Resolved 11/18/2025 - Received CDA with correct loan number, condition resolved. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 738 | XX | 1.58 | $4,613.16 | 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 |
36.472% | Yes | Alternative | QC Complete | 11/11/2025 | |||||||
| 698 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 673 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 699 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Correction required in REO section of (XX) Occupancy as Investment or Second Home. Provide a updated copy of Final 1003. Resolved 11/05/2025 - Received corrected 1003, condition resolved. |
PUD | XX | 80.000% | 80.000% | Investor | Purchase | 736 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/29/2025 | ||||||||||
| 700 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 32.787% | 32.787% | Primary | Refinance | 778 | 0.91 | XX | 22.5 | $199,862.76 | 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 |
11.656% | Alternative | QC Complete | 11/07/2025 | ||||||||
| 702 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 83.333% | 83.333% | Primary | Purchase | 743 | XX | 3.75 | $8,896.62 | 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 |
48.880% | Yes | Alternative | QC Complete | 11/13/2025 | ||||||||
| 705 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 738 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||||
| 706 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Cash Out | 725 | 4 | XX | 21.75 | $72,622.98 | 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 |
$310,642.32 | 35.311% | Alternative | QC Complete | 11/03/2025 | |||||||
| 707 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 60.000% | 60.000% | Primary | Purchase | 791 | XX | 3.41 | $35,396.06 | 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 |
35.892% | No | Alternative | QC Complete | 10/28/2025 | ||||||||
| 708 | XX | XX | XX | XX | 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 Preliminary Title is less than the loan amount. The supplementary report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX Resolved 11/03/2025 - Received final title policy, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 793 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/27/2025 | |||||||||||
| 709 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 62.441% | 62.441% | Primary | Purchase | 793 | XX | 5.16 | $18,626.25 | 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 |
16.936% | Yes | Full Documentation | QC Complete | 10/24/2025 | ||||||||
| 710 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 808 | XX | 3.16 | $2,619.91 | 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 |
49.664% | Yes | Full Documentation | QC Complete | 11/17/2025 | ||||||||
| 712 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.602% Allowed 8.040% Overby +1.562%. This loan is compliant with regulation 1026.35 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide sufficient assets to cover the three-month reserve requirement. Cash from borrower: $61,916.92; Reserves: $7,742.71; Total verified assets: $69,482.12; Asset shortfall: ($69,482.12 − $69,659.35) = −$177.23. Resolved 11/10/2025 - Received Asset LOX and the requirements are sufficient, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Non-arms length transaction; borrower purchasing from current landlord. currently have 12 months bank statements (Aug 24 through Sept 25) **pending Oct 25 payment to have fully 12 months. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
85.00%. DTI: 11.70% DTI is less than the maximum guideline requirement of 50.00%. |
2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 657 | XX | 2.08 | $28,235.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
11.698% | Yes | Alternative | QC Complete | 01/15/2026 | |||||
| 713 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 751 | XX | 3.42 | $15,833.33 | 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 |
47.879% | Full Documentation | QC Complete | 11/04/2025 | |||||||||
| 714 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets Verification - EV R COMMENT: Provide Business bank statements of XX with ending balance $6282.73 for verifying the assets. Resolved 10/06/2025 - Received bank statement for account #XX, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide 24 Months Business bank statements of XX #XX for the month of 08/01/2023 to 07/31/2025 as it is missing in the file. 10/17/2025 Not resolved - Received bank statement for XX with account # 5255858 does not match with the Bank statement (XX #XX) used for calculating income in the second bank statement worksheet. 11/04/2025 - Borrower is qualified with two set of 24 months Business bank statement with total income of $45,035.00. Two accounts were used XX with income of $24,744.74 & XX with income of $20,290.54). Bank statements received in the loan file are for XX, We are still missing additional 24 months business bank statement for XX to verify income of $24,744.74. 11/19/2025 Resolved - The copy of 24 month bank statement for # XX resolves the condition. |
2 Family | XX | 80.000% | 80.000% | Primary | Cash Out | 722 | 0.08 | XX | 3.66 | $45,035.00 | 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 |
$67,146.76 | 31.255% | Alternative | QC Complete | 09/25/2025 | ||||||
| 715 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 754 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | |||||||||||
| 716 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Refinance | 776 | 4 | XX | 1.83 | $18,101.00 | 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 |
40.673% | Full Documentation | QC Complete | 11/20/2025 | ||||||||
| 717 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing Form 1007. Resolved 10/20/2025 : Received form 1007 for subject property, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide master insurance policy, as it is missing. Property type is condominium. Resolved 10/24/2025 - Received Lender response, Project is detached and borrower has H03 insurance policy, condition resolved |
Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Refinance | 794 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/14/2025 | |||||||||||
| 718 | XX | XX | XX | XX | 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 8.020% Allowed 7.740% Overby+0.280% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 758 | XX | 2.75 | $30,646.60 | 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 |
12.182% | Yes | Alternative | QC Complete | 11/11/2025 | |||||||
| 719 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 702 | 5.08 | XX | 1.5 | $12,751.25 | 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 |
$279,554.22 | 38.778% | Full Documentation | QC Complete | 11/14/2025 | |||||||
| 720 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 732 | XX | 6.75 | $6,022.83 | 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 |
39.284% | Yes | Alternative | QC Complete | 11/11/2025 | ||||||||
| 721 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 787 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||||
| 724 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 77.340% | 77.340% | Primary | Refinance | 778 | 5 | XX | 10.42 | $27,034.39 | 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 |
20.006% | Alternative | QC Complete | 11/13/2025 | ||||||||
| 725 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 68.955% | 68.955% | Primary | Purchase | 756 | XX | 9.42 | $6,273.71 | 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 |
49.351% | No | Alternative | QC Complete | 12/10/2025 | ||||||||
| 727 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 738 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | |||||||||||
| 729 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 741 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/28/2025 | |||||||||||
| 730 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 791 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 731 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 733 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/13/2025 | |||||||||||
| 733 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 79.757% | 79.757% | Primary | Purchase | 767 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.582% | No | Full Documentation | QC Complete | 10/27/2025 | ||||||||||
| 735 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a clear and readable copy of the borrower's (XX) driver's license. Resolved 11/04/2025 - Received GOV ID, condition resolved. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The lease agreement provided for the subject property expired on 08/XX/2025. Please submit an updated lease agreement reflecting the new expiration date. Resolved 10/27/2025- Received Current Lease transaction, condition resolved. |
Single Family | XX | 56.528% | 56.528% | Investor | Cash Out | 703 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$38,389.33 | DSCR | QC Complete | 10/22/2025 | ||||||||||
| 736 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 79.592% | 79.592% | Primary | Purchase | 741 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/11/2025 | |||||||||||
| 738 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 57.295% | 57.295% | Primary | Purchase | 705 | XX | 7.75 | $2,814.00 | 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 |
20.235% | No | Alternative | QC Complete | 11/07/2025 | ||||||||
| 739 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 812 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/09/2025 | |||||||||||
| 740 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 12/02/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Total exposure is $XX, exceeding the allowed limit of $3,500,000. A copy of an exception approval letter is available in the loan file. |
Reserves: The 56 months of available reserves are more than the
guideline requirement of 13 months. LTV: 60.76% LTV is less than the guideline requirement of 85.00%. DTI: 15.82% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX | 60.764% | 60.764% | Primary | Refinance | 768 | 2 | XX | 5.08 | $245,622.08 | 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 |
16.117% | Full Documentation | QC Complete | 11/25/2025 | |||||
| 741 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 762 | XX | $13,171.00 | 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 |
48.207% | Yes | Alternative | QC Complete | 11/26/2025 | |||||||||
| 744 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 70.000% | 70.000% | Investor | Purchase | 719 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/05/2025 | |||||||||||
| 745 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 49.636% | 49.636% | Primary | Cash Out | 777 | 1.5 | XX | 11.66 | $161,120.76 | 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 |
$459,920.93 | 9.466% | Full Documentation | QC Complete | 11/11/2025 | |||||||
| 749 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 61.364% | 61.364% | Investor | Cash Out | 799 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$141,937.00 | DSCR | QC Complete | 11/04/2025 | |||||||||||
| 751 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: To allow a non-per resident with a H1B VISA. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
85.00%. DSCR: 1.83 DSCR exceeds the guideline requirement of 0.50. FICO: 734 FICO exceeds the guideline requirement of 720. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/24/2025 | |||||||||
| 752 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.548% Allowed 7.720% Overby +0.828% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Rental Comparables are missing in provided appraisal report, provide an updated appraisal report. 10/27/2025 Resolved: Resolved as rental comparables is not required as the loan is owner occupied. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 756 | XX | 2 | $31,504.88 | 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 |
44.315% | No | Alternative | QC Complete | 10/15/2025 | |||||||
| 756 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 732 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 10/28/2025 | ||||||||||||
| 757 | XX | XX | XX | XX | 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 7.831% Allowed 7.740% Overby +0.091% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB living rent free for more than 12 months A copy of an exception approval letter is available in the loan file. |
FICO: 744 FICO exceeds the guideline requirement of 700. DTI: 26.86% DTI is less than the maximum guideline requirement of 50.00%. |
3 Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 | XX | 10.41 | $21,335.98 | 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 |
26.857% | Yes | Alternative | QC Complete | 11/25/2025 | |||||
| 758 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing proof of B2 Income from the employer EV Connect. Resolved 10/21/2025 - Received WVOE for B2, condition resolved |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 771 | XX | 10.25 | $30,517.04 | 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 |
43.544% | No | Full Documentation | QC Complete | 10/16/2025 | |||||||
| 759 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Refinance | 746 | 1.5 | XX | 11 | $81,926.88 | 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 |
30.298% | Alternative | QC Complete | 10/27/2025 | ||||||||
| 760 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 736 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/04/2025 | |||||||||||
| 761 | XX | XX | XX | XX | 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 8.583% Allowed 7.740% Overby +0.843% This loan is compliant with regulation 1026.35. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: MA 209 CMR 32.35 Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations. MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.583% Allowed 7.740% Overby +0.843% This loan is compliant with regulation MA 209 CMR 32.35. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 699 | XX | 4.16 | $21,315.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.382% | No | Alternative | QC Complete | 11/20/2025 | |||||||
| 762 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated HOI document for subject property with mortgagee reflecting the lender name (XX). Resolved 11/19/2025 - Received insurance document with clause, condition resolved. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a supporting document for payoff of XX $3125.36 (XX). Resolved 11/19/2025 - Received LOX as this REO is considered as the business claimed mortgage payoff, condition resolved. |
PUD | XX | 75.000% | 75.000% | Primary | Purchase | 770 | XX | 17.33 | $47,149.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.211% | No | Full Documentation | QC Complete | 11/13/2025 | |||||||
| 765 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Housing Payment History. FTHB living rent free. A copy of an exception approval letter is available in the loan file. |
FICO: 793 FICO exceeds the guideline requirement of 640. LTV: 77.09% LTV is less than the guideline requirement of 80.00%. DTI: 44.22% DTI is less than the maximum guideline requirement of 50.00%. |
Low Rise Condo (1-4 Stories) | XX | 77.090% | 77.090% | Primary | Purchase | 793 | XX | 6.25 | $7,101.00 | 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 |
44.222% | Yes | Alternative | QC Complete | 12/05/2025 | ||||||
| 766 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 55.000% | 55.000% | Primary | Purchase | 766 | XX | 3.08 | $4,422.00 | 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 |
37.212% | Yes | Alternative | QC Complete | 11/13/2025 | ||||||||
| 772 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide hazard insurance effective until 10/XX/2025. Resolved 11/25/2025 - Received insurance effective date covered disbursement date, condition resolved. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Appraisal-Condo Less than 500 SF A copy of an exception approval letter is available in the loan file. |
FICO: 756 FICO exceeds the guideline requirement of 700. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 756 | XX | 20.83 | $166,988.50 | 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 |
11.002% | No | Alternative | QC Complete | 10/24/2025 | |||||
| 774 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Title report missing lender loss payee verbiage "ISAOA/ATIMA" for the mortgagee. Resolved 11/12/2025 - Received title report with ISAOA, condition resolved. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 793 | XX | 26.33 | $14,394.72 | 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 |
$167,067.93 | 32.140% | Full Documentation | QC Complete | 11/05/2025 | |||||||
| 775 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 717 | XX | 5.75 | $3,100.00 | 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 |
42.035% | No | Alternative | QC Complete | 11/14/2025 | ||||||||
| 782 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the HOA fee statement showing the amount of $50.00 for the subject property located at XX. Resolved 11/19/2025 - Received 1008 with updated HOA fee, condition resolved. |
Single Family | XX | 67.283% | 67.283% | Primary | Purchase | 754 | XX | 4.41 | $2,593.81 | 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 |
27.607% | Yes | Full Documentation | QC Complete | 11/12/2025 | |||||||
| 783 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Monthly Amount Incorrect. - EV R COMMENT: Missing invoice for hazard insurance premium. Resolved 11/04/2025 - Received HOI Invoice, condition resolved. |
Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 776 | XX | 5.08 | $35,072.17 | 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 |
43.063% | No | Full Documentation | QC Complete | 10/29/2025 | |||||||
| 785 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Missing Title Commitment/Preliminary report. 11/13/2025 Resolved: Resolved as this is co-op and there wouldn't be a title. |
Co-op | XX | 70.000% | 70.000% | Primary | Purchase | 771 | XX | 3.33 | $22,425.73 | 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 |
26.788% | No | Alternative | QC Complete | 11/12/2025 | |||||||
| 788 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 794 | XX | $3,492.00 | 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 |
47.517% | Yes | Alternative | QC Complete | 11/14/2025 | |||||||||
| 790 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 84.906% | 84.906% | Investor | Purchase | 779 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/25/2025 | |||||||||||
| 795 | XX | XX | XX | XX | 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 7.754% Allowed 7.740% Overby +0.014% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for FTHB living rent free since 01/01/2024. A copy of an exception approval letter is available in the loan file. |
FICO: 663 FICO exceeds the guideline requirement of 640. Residual Income : $10,407.50 monthly DTI: 30.68% DTI is less than the maximum guideline requirement of 50.00%. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 663 | XX | 4.41 | $15,014.57 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
30.684% | Yes | Alternative | QC Complete | 11/14/2025 | |||||
| 797 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 774 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$156,484.73 | DSCR | QC Complete | 12/05/2025 | |||||||||||
| 798 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 773 | 1 | XX | 5.16 | $34,328.99 | 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 |
$182,735.16 | 28.807% | Full Documentation | QC Complete | 10/28/2025 | |||||||
| 800 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: EAD/Visa/Green Card - Requesting exception to proceed wiht C10 EAD satus which does not appear on the list of eligible or ineligible visa types. A copy of an exception approval letter is available in the loan file. |
FICO: 772 FICO exceeds the guideline requirement of 640. DTI: 24.797% DTI is less than the maximum guideline requirement of 50.00%. |
2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 772 | XX | 4.08 | $26,914.39 | 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 |
24.797% | Yes | Alternative | QC Complete | 01/15/2026 | ||||||
| 802 | XX | XX | XX | XX | 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 $XX does not cover the loan amount $XX. Provide a copy of the updated title supplement report to cover the loan amount. Resolved 12/01/2025 - Received title policy, condition resolved. |
Low Rise Condo (1-4 Stories) | XX | 77.848% | 77.848% | Primary | Refinance | 735 | 2.75 | XX | 8.25 | $29,435.20 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.133% | Alternative | QC Complete | 11/24/2025 | |||||||
| 806 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 12/10/2025 | |||||||||||
| 813 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 744 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 01/16/2026 | |||||||||||
| 815 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 66.038% | 66.038% | Primary | Cash Out | 793 | 0.5 | XX | 5.75 | $3,328.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,820.39 | 27.973% | Alternative | QC Complete | 11/12/2025 | |||||||
| 816 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 60.000% | 60.000% | Investor | Refinance | 786 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | 11/12/2025 | ||||||||||||
| 822 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 754 | XX | 23.08 | $37,364.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.373% | No | Alternative | QC Complete | 10/28/2025 | ||||||||
| 823 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: The rent comparable photos are missing from the loan package. Please provide photos for all rent comparables listed in the appraisal report. Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |
2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 787 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 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 | ||||||||||
| 825 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide copy of wire receipt showing gift funds in the amount of $31000 from XX from XX account #XX Resolved 10/31/2025 - Received wire for gift amount, condition resolved. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 790 | XX | 5.83 | $29,291.39 | 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 |
39.554% | No | Alternative | QC Complete | 10/27/2025 | |||||||
| 826 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 760 | XX | 12.41 | $10,158.65 | 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 |
$299,240.42 | 49.460% | Alternative | QC Complete | 11/17/2025 |