EX-99.4 17 ex99-4s1.htm SCHEDULE 1 - DUE DILIGENCE STANDARD REPORT

 

 

MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.4 - Schedule 1

 

MS ID Seller Loan Number Serivicer LoanID Unique Finding ID Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Exception ID Remediation Status Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS) Initial Credit  Grade (DBRS) Initial Property Valuation Grade (DBRS) Initial Compliance Grade (DBRS) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall  Grade (KBRA) Initial Credit Grade (KBRA) Initial Property Valuation Grade (KBRA) Initial Compliance  Grade (KBRA) Initial Overall  Grade (Moody's) Initial Credit  Grade (Moody's) Initial Property Valuation Grade (Moody's) Initial Compliance Grade (Moody's) Initial Overall  Grade (S&P) Initial Credit  Grade (S&P) Initial Property Valuation  Grade (S&P) Initial Compliance  Grade (S&P) Final Overall  Grade (DBRS) Final Credit Grade (DBRS) Final Property Valuation  Grade (DBRS) Final Compliance  Grade (DBRS) Final Overall  Grade (Fitch) Final Credit Grade (Fitch) Final Property Valuation Grade (Fitch) Final Compliance  Grade (Fitch) Final Overall  Grade (KBRA) Final Credit Grade (KBRA) Final Property Valuation Grade (KBRA) Final Compliance  Grade (KBRA) Final Overall  Grade (Moody's) Final Credit Grade (Moody's) Final Property Valuation Grade (Moody's) Final Compliance Grade (Moody's) Final Overall  Grade (S&P) Final Credit  Grade (S&P) Final Property Valuation  Grade (S&P) Final Compliance Grade (S&P)
6982170 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/22/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       01/23/2024 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982170 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/22/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.     The loan meets all applicable credit guidelines. 01/23/2024 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982170 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/22/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     The loan is in compliance with all applicable laws and regulations.
 01/23/2024 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982171 XXXXX XXXXX XXXXXXXXXX-finding-2962 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/22/2024 finding-2962 Cleared Compliance XXX Higher-Priced Mortgage Loan Test This loan failed the XXX higher-priced mortgage loan test.  (XXX)
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.
While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. 		     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  01/23/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982171 XXXXX XXXXX XXXXXXXXXX-finding-3352 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/22/2024 finding-3352 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met.      HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  01/23/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982171 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/22/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       01/23/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982171 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/23/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963425 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/29/2023   11/29/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963425 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/28/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963425 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/28/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
7003074 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/29/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003074 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/26/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003074 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/26/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016000 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/05/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       03/06/2024 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016000 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/05/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       03/06/2024 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016000 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/06/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969365 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/05/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       09/05/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969365 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/05/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       09/05/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969365 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/05/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       09/05/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949641 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949641 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949641 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949642 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949642 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949642 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/15/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       11/15/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982177 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/22/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       01/23/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982177 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/22/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.     The loan meets all applicable credit guidelines. 01/23/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982177 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/23/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     The loan is in compliance with all applicable laws and regulations.
 01/23/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982178 XXXXX XXXXX XXXXXXXXXX-1329552 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/21/2023 1329552 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XXXXXXXXXXXXXXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982178 XXXXX XXXXX XXXXXXXXXX-1329549 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/21/2023 1329549 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XXXXXXXXXXXXXXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003077 XXXXX XXXXX XXXXXXXXXX-1424183 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/08/2024 1424183 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003077 XXXXX XXXXX XXXXXXXXXX-1424184 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/08/2024 1424184 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003077 XXXXX XXXXX XXXXXXXXXX-1425543 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/09/2024 1425543 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     The loan is in compliance with all applicable laws and regulations. 02/09/2024 Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969369 XXXXX XXXXX XXXXXXXXXX-1293882 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 1293882 Cleared Credit The Deed of Trust is Incomplete The Deed of Trust is Incomplete Security Instrument is not notarized.     The Deed of Trust is Present and Complete 12/13/2023 Borrower has stable job time - Borrower has XX years on job. D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6969369 XXXXX XXXXX XXXXXXXXXX-1294937 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 1294937 Cleared Credit OFAC Check Not Completed and/or Cleared OFAC Check Not Completed and/or Cleared Fraud Report reflects Escrow Company should undergo a further XXX review which is missing from the file.     Received LOE - the OFAC listed "XXX" as the default XXX and does not need SAM.gov search. Exception Resolved. 12/10/2023 Borrower has stable job time - Borrower has XX years on job. D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6969369 XXXXX XXXXX XXXXXXXXXX-1299025 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/07/2023 1299025 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       12/07/2023 Borrower has stable job time - Borrower has XX years on job. D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6982180 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Compensating Factor

Qualifying DTI below max allowed. - Compensating Factors

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982180 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Borrower has stable job time - Compensating Factor

Qualifying DTI below max allowed. - Compensating Factors

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982180 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Compensating Factor

Qualifying DTI below max allowed. - Compensating Factors

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883068 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/15/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883068 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/15/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883068 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/16/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883070 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/02/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML loan with established escrows and appraisal requirements have been met.     HPML compliant 08/04/2023 Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A C A A A C A C C A C C C A C C C A C C C A C C C A C A A A A A A A A A A A A A A A A A A A A
6883070 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/03/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A C A A A C A C C A C C C A C C C A C C C A C C C A C A A A A A A A A A A A A A A A A A A A A
6883070 XXXXX XXXXX XXXXXXXXXX-3581 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/03/2023 3581 Cleared Credit Profit and Loss Does Not Meet Guidelines Profit and Loss Does Not Meet Guidelines. YTD P&L required for self employed borrower per guidelines. X.XX.XX - YTD P&L provided 02/22/2024 The exception 'Profit and Loss Does Not Meet Guidelines' is cleared.; The exception 'Profit and Loss Does Not Meet Guidelines' is cleared; exception resolved. 02/22/2024 Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A C A A A C A C C A C C C A C C C A C C C A C C C A C A A A A A A A A A A A A A A A A A A A A
6883070 XXXXX XXXXX XXXXXXXXXX-1462 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/02/2023 1462 Cleared Credit Liquid Reserves are less than Guidelines Required The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of X.XX or $XXX. X.X.XX - Client rebuttal shows additional account used for assets. This has been added to the assets but we are still at only X.XX months of reserves. Please provide a full breakdown of assets used; exception remains. 08/08/2023 The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX; exception resolved. 08/10/2023 Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A C A A A C A C C A C C C A C C C A C C C A C C C A C A A A A A A A A A A A A A A A A A A A A
6883070 XXXXX XXXXX XXXXXXXXXX-3557 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 10/25/2023 3557 Cleared Credit Hazard Insurance Coverage is Not Sufficient. Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. X.X.XX - Additional information provided. Per appraisal, estimated cost of new build is $XXX. 02/07/2024 Hazard insurance coverage is sufficient; exception resolved. 02/07/2024 Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A C A A A C A C C A C C C A C C C A C C C A C C C A C A A A A A A A A A A A A A A A A A A A A
6883112 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/25/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML Loan with established escrows and appraisal requirements have been met.     HPML compliant 09/27/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883112 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/26/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883112 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/26/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883155 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/28/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML loan with established escrows and met appraisal requirements.      HPML compliant 08/29/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883155 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/29/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883155 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/29/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6883175 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/24/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883175 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/28/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6883175 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/28/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963430 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       11/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963430 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/29/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/29/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963430 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/29/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/29/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969374 XXXXX XXXXX XXXXXXXXXX-1312725 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312725 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969374 XXXXX XXXXX XXXXXXXXXX-1312721 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312721 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969374 XXXXX XXXXX XXXXXXXXXX-1312724 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312724 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016002 XXXXX XXXXX XXXXXXXXXX-FVAL5524 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/08/2024 FVAL5524 Acknowledged Property Ineligible Property Subject Property is XXX acres and evaluated as Rural by Appraiser.  Guidelines define Acreage > XXX acres as an ineligible property type.     Received CHM Credit Exception Request Form granting approval for ineligible property per guidelines as property is XXX, and max per guidelines is XXX. The following compensating factors provided were identified by the lender; minimal to no payment shock and low DTI. Exception downgraded to a level X/B. 03/13/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.		 D B C B D A C B A A D D C A D D C A D D C A D D C A D D C A B A B A B A B A B A B A B A B A B A B A
7016002 XXXXX XXXXX XXXXXXXXXX-FCOM1221 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/08/2024 FCOM1221 Cleared Credit The Deed of Trust is Incomplete The Deed of Trust is Incomplete Loan file is missing the Second Home Rider     The Deed of Trust is Present and Complete. Received executed Second Home Rider. Exception Resolved. 03/12/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.		 D B D A D A C B A A D D C A D D C A D D C A D D C A D D C A B A B A B A B A B A B A B A B A B A B A
7016002 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/08/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has XXX years on job.		 D B A A D A C B A A D D C A D D C A D D C A D D C A D D C A B A B A B A B A B A B A B A B A B A B A
6969377 XXXXX XXXXX XXXXXXXXXX-1315334 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/14/2023 1315334 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969377 XXXXX XXXXX XXXXXXXXXX-1315332 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/14/2023 1315332 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969377 XXXXX XXXXX XXXXXXXXXX-1308379 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1308379 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirements met         Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969383 XXXXX XXXXX XXXXXXXXXX-1310067 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1310067 Cleared Property Purchase price is < original balance Missing purchase contract addendum reflecting the correct sales price of $XXX.     Received purchase contract addendum with the correct sales price of $XXX. Exception Resolved.
 
Received purchase contract addendum with the correct sales price of $XXX. Exception Resolved.		 12/14/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
6969383 XXXXX XXXXX XXXXXXXXXX-1308174 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1308174 Cleared Compliance Purchase Contract does not Match Final CD The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)
XX CFR XXXX.XX(a)(X)(vii) The sales price on the final CD does not match the sales price on the Purchase Contract - The purchase contract reflects a sales price of $XXX, but the final CD reflects a sales price of $XXX. No evidence of an addendum increasing the sales price to $XXX. The difference resulted in an increased LTV of XXX%, not XXX% per lender approval. Missing purchase contract addendum with updated sales price.		     Received purchase contract addendum with the correct sales price of $XXX. Exception Resolved. 12/14/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
6969383 XXXXX XXXXX XXXXXXXXXX-1308365 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1308365 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrow and met appraisal requirements. Allowed per lender guidelines, therefore, downgraded to A         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 C A A A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
6969383 XXXXX XXXXX XXXXXXXXXX-1312786 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312786 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 C A A A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
6969385 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/18/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  08/21/2023   08/21/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969385 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/18/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/18/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969385 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/18/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       08/18/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969387 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/25/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/25/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969387 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/25/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       08/25/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969389 XXXXX XXXXX XXXXXXXXXX-1312833 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312833 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969389 XXXXX XXXXX XXXXXXXXXX-1312831 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312831 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969389 XXXXX XXXXX XXXXXXXXXX-1307298 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1307298 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met         Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969391 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/25/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       08/25/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969391 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/25/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/25/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969391 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/25/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       08/25/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949764 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/14/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.;
HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.;
HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 		 09/15/2023   09/15/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B C A C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A
6949764 XXXXX XXXXX XXXXXXXXXX-2110 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/14/2023 2110 Acknowledged Credit Qualifying DTI exceeds Guideline Maximum Allowable Qualifying DTI of XXX exceeds guideline maximum of XXX for a cash-out refinance transaction.  The loan file contains a Credit Inquiry LOE and a credit supplement confirming the borrower's opened new credit with XXX on XX/XX/XXXX as an auto lease with a monthly payment of $XXX.  The credit supplement indicates this new account took the place of the XXX, which reflects as closed as of XX/XX/XXXX. According to the XXX in loan file, this account was excluded from the total DTI calculation and the loan file is missing documentation to support the exclusion.  The calculated DTI includes subject PITIA of $XXX, all other debt of $XXX and total borrower income of $XXX, resulting in a total DTI of XXX%. Received CHM Credit Exception Request Form.; The loan exceeded the maximum DTI of XXX% for a cash-out refinance.  CHM Credit Exception received granting a  DTI exception with the following comp factors identified by the lender; Qualifying FICO is greater than the guidelines minimum by XXX points, significant residual income of $XXX per month, Borrower at current residence for XXX (XXX) or more years, and XXX (XXX) months housing history with no late payments.  Exception downgraded to a Level X/B.  10/06/2023 Received CHM Credit Exception Request Form.; The loan exceeded the maximum DTI of XXX% for a cash-out refinance.  CHM Credit Exception received granting a  DTI exception with the following comp factors identified by the lender; Qualifying FICO is greater than the guidelines minimum by XXX points, significant residual income of $XXX per month, Borrower at current residence for XXX (XXX) or more years, and XXX (XXX) months housing history with no late payments.  Exception downgraded to a Level X/B.  10/06/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A
6949764 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 09/14/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        09/14/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B A A C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A
6969394 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/15/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.       09/15/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969394 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/15/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       09/15/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969394 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 09/15/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       09/15/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003081 XXXXX XXXXX XXXXXXXXXX-1431611 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/13/2024 1431611 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003081 XXXXX XXXXX XXXXXXXXXX-1431612 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/13/2024 1431612 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003081 XXXXX XXXXX XXXXXXXXXX-1431613 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/13/2024 1431613 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963441 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/22/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/22/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963441 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/22/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/29/2023   11/29/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963441 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/22/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/22/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963441 XXXXX XXXXX XXXXXXXXXX--96366 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/22/2023 -96366 Cleared Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i).; TILA XXXb Cure Required.  Refund in the amount of $XX.XX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XX is due to  Service Provider List missing provider information and the fees of Title - Courier Fee and Title Tax Certification fee were not listed on the initial LE. Without a valid service provider list, these fees are considered in the X% tolerance     This loan passed the charges that cannot increase test.  (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). 11/29/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969400 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Yes
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969400 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Yes

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969400 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Yes

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949831 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/27/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       11/27/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 D A A A D A A A C A C C A C D D A C C C A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
6949831 XXXXX XXXXX XXXXXXXXXX--96383 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/17/2023 -96383 Cleared Compliance TRID Initial Closing Disclosure Date and Funding Date Validation Test This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.; Documentation Required - Provided funding CD/PCCD. CD signed at closing shows a disbursement date of XX/XX/XXXX, however documents weren't signed until XX/XX/XXXX;  PCCD required to determine actual per diem charged to borrower Received PCCD.; Documentation Required - Provided funding CD/PCCD. CD signed at closing shows a disbursement date of XX/XX/XXXX, however documents weren't signed until XX/XX/XXXX;  PCCD required to determine actual per diem charged to borrower 11/30/2023 This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested 11/30/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 D A C A D A A A C A C C A C D D A C C C A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
6949831 XXXXX XXXXX XXXXXXXXXX-651 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/27/2023 651 Cleared Credit Borrower Liabilities Verification Indicator is Partial HOA Dues verification for property XXX and XXX along with HOI for XXX missing.  DTI Subject to re-calculation. Received HOA Verification. 11/29/2023 Borrower liabilities verified indicator is Present. An borrower LOE provided confirming property XXX is free and clear, does not pay HOA Dues or carry homeowner's insurance.  Received a mortgage statement and HOA Verification for XXX. Exception Resolved. 11/29/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 D A D A D A A A C A C C A C D D A C C C A C D D A C D D A C A A A A A A A A A A A A A A A A A A A A
6969403 XXXXX XXXXX XXXXXXXXXX-1312960 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312960 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.X years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969403 XXXXX XXXXX XXXXXXXXXX-1312949 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312949 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.X years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969403 XXXXX XXXXX XXXXXXXXXX-1312959 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312959 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Borrower has stable job time - Borrower has X.X years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963457 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/08/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/09/2023   11/09/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963457 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/08/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/08/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963457 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/08/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/08/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969407 XXXXX XXXXX XXXXXXXXXX-1312995 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312995 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Compensation Factor A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969407 XXXXX XXXXX XXXXXXXXXX-1308997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1308997 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met.          Qualifying FICO is Greater than the Guideline Minimum - Compensation Factor A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969407 XXXXX XXXXX XXXXXXXXXX-1312994 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 1312994 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Compensation Factor A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963467 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       11/28/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963467 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/28/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963467 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/28/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6949861 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/17/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML with established escrows and appraisal requirements met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/28/2023   11/28/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6949861 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/27/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/27/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6949861 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/27/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.       11/27/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6982193 XXXXX XXXXX XXXXXXXXXX-1338790 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338790 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982193 XXXXX XXXXX XXXXXXXXXX-1338792 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338792 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982193 XXXXX XXXXX XXXXXXXXXX-1338787 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338787 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963474 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML with established escrows and appraisal requirements met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/29/2023   11/29/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963474 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/28/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963474 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/28/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/28/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963482 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/06/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       11/06/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963482 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/03/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/03/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963482 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/03/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/03/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982195 XXXXX XXXXX XXXXXXXXXX-1338814 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338814 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982195 XXXXX XXXXX XXXXXXXXXX-1338817 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338817 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982195 XXXXX XXXXX XXXXXXXXXX-1338818 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/27/2023 1338818 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982196 XXXXX XXXXX XXXXXXXXXX-1327334 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/20/2023 1327334 Cleared Credit The Deed of Trust is Incomplete The Deed of Trust is Incomplete Page X of the Deed of Trust missing.     Received complete Deed of Trust ; condition resolved.  12/26/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6982196 XXXXX XXXXX XXXXXXXXXX-1325430 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/19/2023 1325430 Cleared Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines Borrower is employed by a family member per LOE page X in the loan file.  FNMA requires X years of tax returns that are missing from the loan file.  A Credit Exception Request Form in the loan file, but is not executed by the VP of Underwriting.  The lender is granting an exception to proceed with loan closing without X years of tax returns. The following compensation factors were identified by the lender; Low DTI and Significant residual income.  Exception cannot be downgraded as the exception form is not executed.     Received CHM credit exception request for borrower employed by family member. FNMA requires XXX years tax returns moving forward without tax returns based on Low DTI and Significant residual income.  12/26/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6982196 XXXXX XXXXX XXXXXXXXXX-1329570 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/21/2023 1329570 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6982196 XXXXX XXXXX XXXXXXXXXX-1325408 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/19/2023 1325408 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and met appraisal requirements. Downgraded to A, as HPML is allowed per lender guidelines     HPML with established escrows and met appraisal requirements. Downgraded to A, as HPML is allowed per lender guidelines. 12/21/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has XXXXXXXXXXXXXXXX years on job.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6963488 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/16/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       11/16/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963488 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/16/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/16/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963488 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/16/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/16/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6963493 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/27/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  11/28/2023   11/28/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963493 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/26/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       11/26/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6963493 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 11/26/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/26/2023 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6982201 XXXXX XXXXX XXXXXXXXXX-1307628 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1307628 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982201 XXXXX XXXXX XXXXXXXXXX-1307627 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1307627 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982201 XXXXX XXXXX XXXXXXXXXX-1307626 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1307626 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969426 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating Factor

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has X years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969426 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating Factor

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has X years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969426 XXXXX XXXXX XXXXXXXXXX-finding-3352 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2023 finding-3352 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met.  HPML with established escrows and appraisal requirements met.        Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating Factor

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%

Borrower has stable job time - Borrower has X years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982205 XXXXX XXXXX XXXXXXXXXX-1309002 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1309002 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6982205 XXXXX XXXXX XXXXXXXXXX-1308994 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 1308994 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6982205 XXXXX XXXXX XXXXXXXXXX-1303992 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/11/2023 1303992 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6969429 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2025 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.           A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969429 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2026 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.           A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969429 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/06/2027 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.           A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969430 XXXXX XXXXX XXXXXXXXXX-1296892 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/07/2023 1296892 Cleared Compliance XXX Higher-Priced Mortgage Loan Test This loan failed the XXX higher-priced mortgage loan test.  (XXX)
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.
While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with escrow established and appraisal requirement met		         Borrower has stable job time - Borrower has X.XX years on job. B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
6969430 XXXXX XXXXX XXXXXXXXXX-1296890 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/07/2023 1296890 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with escrow established and appraisal requirement met         Borrower has stable job time - Borrower has X.XX years on job. B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
6969430 XXXXX XXXXX XXXXXXXXXX-1301724 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/08/2023 1301724 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has X.XX years on job. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
6969430 XXXXX XXXXX XXXXXXXXXX-1301723 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/08/2023 1301723 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has X.XX years on job. B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
6969432 XXXXX XXXXX XXXXXXXXXX-1306048 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/11/2023 1306048 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969432 XXXXX XXXXX XXXXXXXXXX-1306046 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/11/2023 1306046 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969432 XXXXX XXXXX XXXXXXXXXX-1300361 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/08/2023 1300361 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met.
Allowed per lender guidelines, therefore, downgraded to A.		         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Original CLTV is Below the Guideline Maximum - Compensating factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003084 XXXXX XXXXX XXXXXXXXXX-1410017 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/02/2024 1410017 Cleared Property Property Condition Rating Does Not Meet Program Requirements Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements Appraisal Form XXX in file indicates a Condition Rating of CX with no updates in the prior XXX years per documentation.  Properties with a condition rating of CX or CX or a quality rating of QX are not acceptable per Guidelines.     Primary Value Valuation Property Condition Rating Meets Program Requirements
Received a XXX reflecting water heaters has been double strapped, smoke and carbon monoxide detectors have been installed, utilities have been turned on, fixtures have been replaced in the kitchen and bathroom, the drywall has been replaced and now the subject current condition best descried as a XXX.  Exception Resolved		 02/08/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A C A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
7003084 XXXXX XXXXX XXXXXXXXXX-1411663 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/02/2024 1411663 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
7003084 XXXXX XXXXX XXXXXXXXXX-1413684 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/05/2024 1413684 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     The loan is in compliance with all applicable laws and regulations. 02/05/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
6982214 XXXXX XXXXX XXXXXXXXXX-1335455 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/26/2023 1335455 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982214 XXXXX XXXXX XXXXXXXXXX-1335451 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/26/2023 1335451 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982214 XXXXX XXXXX XXXXXXXXXX-1335447 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/26/2023 1335447 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982218 XXXXX XXXXX XXXXXXXXXX-1332445 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/22/2023 1332445 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982218 XXXXX XXXXX XXXXXXXXXX-1332446 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/22/2023 1332446 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003087 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/25/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
7003087 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/25/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
7003087 XXXXX XXXXX XXXXXXXXXX-FCRE8611 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/25/2024 FCRE8611 Cleared Credit Income/Employment General Missing verification the mortgage statement, property taxes, insurance and if applicable HOA to verify PITIA for other REO XXX. XX/XX/XXXX: Client provided verification of taxes of insurance.    Received verification of property taxes and insurance for other REO XXX. Exception Resolved. 01/29/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XXX years on job.		 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6982219 XXXXX XXXXX XXXXXXXXXX-1343807 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/29/2023 1343807 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6982219 XXXXX XXXXX XXXXXXXXXX-1343808 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/29/2023 1343808 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003089 XXXXX XXXXX XXXXXXXXXX-FPRO1131 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/01/2024 FPRO1131 Cleared Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan Purpose is Purchase but Purchase Contract Doc is Missing     Purchase Contract Doc is not Missing, or is Not Applicable.

Purchase Contract Doc is not Missing, or is Not Applicable.

Received updated Escrow Instructions. The subject transaction is a FSBO (For Sale By Owner) and purchase contract not required.  Exception Resolved.		 02/05/2024 Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
7003089 XXXXX XXXXX XXXXXXXXXX-finding-3352 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/02/2024 finding-3352 Cleared Compliance Higher-Priced Mortgage Loan Test Higher-Priced Mortgage Loan Test     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  

HPML is compliant and allowed per lender guidelines, therefore, downgraded to an A

This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.		 02/02/2024 Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
7003089 XXXXX XXXXX XXXXXXXXXX-finding-2962 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/02/2024 finding-2962 Cleared Compliance XXX Higher-Priced Mortgage Loan Test XXX Higher-Priced Mortgage Loan Test     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  
HPML is compliant and allowed per lender guidelines, therefore, downgraded to an A
This loan failed the XXX higher-priced mortgage loan test.  (XXX)
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.
While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.		 02/02/2024 Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 C A C A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
7003089 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/02/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying DTI below max allowed. - Calculated DTI of X.XXX% is less than Guideline DTI of XXX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%

Borrower has stable job time - Borrower has X.XX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%		 C A A A A A C A C A C A C C C A C C C A C C C A C C C A C C A A A A A A A A A A A A A A A A A A A A
6982220 XXXXX XXXXX XXXXXXXXXX-1326782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/20/2023 1326782 Cleared Credit Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of $XXX are less than AUS Required Reserves of $XXX The note is dated XX/XX/XXXX, unable to utilize XX/XX/XXXX guidelines and lender removed XX/XX/XXXX Investor Guidelines. Therefore per XX/XX/XXXX Gift Funds are not permitted and loan file contains gift funds for $XXX, which were excluded from total verified assets.     Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX 12/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6982220 XXXXX XXXXX XXXXXXXXXX-1328930 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/21/2023 1328930 Cleared Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of  month(s) are less than Guideline Required Reserves of XXX month(s)     Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) 12/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6982220 XXXXX XXXXX XXXXXXXXXX-1329620 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/21/2023 1329620 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6982220 XXXXX XXXXX XXXXXXXXXX-1329619 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/21/2023 1329619 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
7016007 XXXXX XXXXX XXXXXXXXXX-1459631 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/28/2024 1459631 Acknowledged Credit Guideline Seasoning not Met The borrower had a forbearance. It does appear lender made an exception to proceed to closing, however, missing Lender Exception Form with compensating factors. Guideline seasoning requirement has not been met.     Received Lender Exception Form, granting an exception to permit forbearance within the last XX-months. The borrower participated in forbearance option provided due to FEMA Disaster/Weather (XXX) that encompassed rental property in XXX. The lender provided the following compensating factors; clean credit history XXX on all accounts (min. X non-mtg accounts all rated for at least X years), XX-months housing history reviewed with no late payments, minimal to no payment shock, low DTI, significant residual income (Approximately $XXX per month); Excess Reserves - XX months verified versus XXX months required, qualifying FICO is greater than the guideline minimum by XXX points, and low LTV (XXX% LTV vs max LTV allowable of XXX%). Exception downgraded to a level X/B. 03/01/2024 Original LTV is Below the Guideline Maximum - Compensating Factors

Original CLTV is Below the Guideline Maximum - Compensating Factors

Borrower has stable job time - Compensating Factor

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
7016007 XXXXX XXXXX XXXXXXXXXX-1460007 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/28/2024 1460007 Cleared Credit Evidence of Property Tax Missing Supporting documentation for Property Taxes for XXX missing in file.     Received verification of property taxes for other REO XXX. Exception Resolved. 03/01/2024 Original LTV is Below the Guideline Maximum - Compensating Factors

Original CLTV is Below the Guideline Maximum - Compensating Factors

Borrower has stable job time - Compensating Factor

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 D B D A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
7016007 XXXXX XXXXX XXXXXXXXXX-1460016 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/28/2024 1460016 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Compensating Factors

Original CLTV is Below the Guideline Maximum - Compensating Factors

Borrower has stable job time - Compensating Factor

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 D B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
7016007 XXXXX XXXXX XXXXXXXXXX-1458732 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/28/2024 1458732 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Compensating Factors

Original CLTV is Below the Guideline Maximum - Compensating Factors

Borrower has stable job time - Compensating Factor

Qualifying FICO is Greater than the Guideline Minimum - Compensating Factors		 D B A A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A
7003105 XXXXX XXXXX XXXXXXXXXX-1432435 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/13/2024 1432435 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has XX.X years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003105 XXXXX XXXXX XXXXXXXXXX-1433265 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/13/2024 1433265 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  02/14/2024 Borrower has stable job time - Borrower has XX.X years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003105 XXXXX XXXXX XXXXXXXXXX-1432428 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/13/2024 1432428 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has XX.X years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016011 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/07/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016011 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/07/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016011 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/08/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Borrower has stable job time - Borrower has XXX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003111 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/01/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has XXX years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003111 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/01/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has XXX years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7003111 XXXXX XXXXX XXXXXXXXXX-FCOM8997 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/01/2024 FCOM8997 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Borrower has stable job time - Borrower has XXX years on job.

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016023 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/06/2024 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.         Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016023 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/06/2024 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7016023 XXXXX XXXXX XXXXXXXXXX-finding-3352 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 03/07/2024 finding-3352 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirement met. Allowed per lender guidelines, therefore, downgraded to A     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.
03/08/2024 Borrower has stable job time - Borrower has XXX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971910 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 06/13/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  06/14/2023   06/14/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971910 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 06/13/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       06/13/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971910 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 06/13/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        06/13/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971912 XXXXX XXXXX XXXXXXXXXX--96648 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 -96648 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  01/05/2024   01/05/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971912 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/04/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971912 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/04/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971914 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       01/05/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971914 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/05/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971914 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/05/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/05/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971919 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971919 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971919 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971922 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/19/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/19/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971922 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/19/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/19/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971922 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/19/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/19/2023 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971926 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/08/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       01/08/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971926 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971926 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971927 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/03/2024 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.;
HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 		 01/17/2024   01/17/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971927 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971927 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/04/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/04/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971927 XXXXX XXXXX XXXXXXXXXX--96383 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/03/2024 -96383 Cleared Compliance TRID Initial Closing Disclosure Date and Funding Date Validation Test This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.; Final CD XX/XX/XXXX shows Disbursement Date as XX/XX/XXXX, Borrower closed XX/XX/XXXX, no documentation in file to show correct disbursement date Lender response:  Disagree - Lender Compliance Summary (pg, XXX) and Executed Settlement statement (pg. XXX) evidence settlement agent disbursement date and prepaid interest start date, respectively, as: XX/XX/XXXX. XXX used XX/XX/XXXX as confirmed disbursement date (updated manually) as resolution for initial system validation error of disbursement date prior to closing date.; Final CD XX/XX/XXXX shows Disbursement Date as XX/XX/XXXX, Borrower closed XX/XX/XXXX, no documentation in file to show correct disbursement date 01/17/2024 Condition cleared; This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested 01/17/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower X has significant job time - Borrower has X.XX years on job
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971929 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/21/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/21/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971929 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/21/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/21/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971929 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/21/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/21/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971933 XXXXX XXXXX XXXXXXXXXX-1246 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/27/2023 1246 Cleared Credit Transmittal Summary is Partial Underwriting Final Approval in file is for a Rater-Term Refinance and Borrower received $XXX cash in hand at closing.  Missing final Loan Approval reflecting loan as a Cash-Out transaction.  LOE in file confirms cash out to be used for business purposes only. Received the payoff confirming borrower is paying off a business loan at closing.  Also received settlement statement reflecting the borrower purchased subject property as a cash only transaction. Therefore, loan is a delayed financing loan and is allowed to be priced as a rate-term loan.  The borrower purchased the subject property under business name and switched vesting to name only.  XXX confirmed borrower owns business XXX. An updated transmittal summary or approval not required.   08/01/2023 The transmittal summary is Present.  Exception Resolved. 08/01/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 D A D A D A A A A A C C A A D D A A C C A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6971933 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/27/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/27/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 D A A A D A A A A A C C A A D D A A C C A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6971933 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/27/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/27/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 D A A A D A A A A A C C A A D D A A C C A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
6971935 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/19/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/19/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971935 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/19/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/19/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971935 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/19/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/19/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971937 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/26/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/26/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971937 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/26/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/26/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971937 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 07/26/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/26/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971938 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/28/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       07/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971938 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/28/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971938 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/28/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/28/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXXX, are greater than the Guideline Minimum of X.XX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971940 XXXXX XXXXX XXXXXXXXXX-1904 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/29/2023 1904 Cleared Credit Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. XX/XX/XXXX:  Client rebuttal - Disagree - Property is in the state of XXX where it is against law to provide an RCE.  The coverage amount does however exceed the cost to rebuild per the appraisal. 01/17/2024 Hazard insurance coverage is XXX, is considered sufficient by lender per the replacement cost value estimation provided on the appraisal of XXX. State of XXX does not release Replacement Cost.  XXX law requires policies are written at RPC. Condition cleared.  01/17/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B C A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
6971940 XXXXX XXXXX XXXXXXXXXX-2110 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/29/2023 2110 Acknowledged Credit Qualifying DTI exceeds Guideline Maximum Allowable Qualifying DTI of XXX exceeds guideline maximum of XXX.; Qualifying DTI of XXX exceeds guideline maximum of XXX.  Approved DTI XXX% vs actual DTI of  XXX% difference due to PITI calculated at fully indexed rate with a payment of $XXX vs lender calculated payment of  $XXX.  (XXX arm IO program) XX/XX/XXXX: Acknowledged by Client based on LTV, CLTV below maximum, Fico is greater than the minimum, borrower years on job exceeds XX years 01/16/2024   01/16/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
6971940 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/28/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       12/28/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
6971940 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/29/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        12/29/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
6971949 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/02/2024 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and appraisal requirements met.  HPML is compliant and allowed per lender guidelines; therefore, downgraded to A 01/05/2024   01/05/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971949 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/02/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       01/02/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971949 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/02/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        01/02/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971952 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/02/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       08/02/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971952 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/02/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/02/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
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6971952 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 08/02/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        08/02/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
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6971956 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/04/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  08/09/2023   08/09/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
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6971956 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/04/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/04/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971956 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/04/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        08/04/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971956 XXXXX XXXXX XXXXXXXXXX--96366 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/04/2023 -96366 Cleared Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i).; Documentation Required - Please provide completed SSPL to determine if Title services were provided by lender selected provider.  Lender response - fees are not over XXX% tolerance; Documentation Required - Please provide completed SSPL to determine if Title services were provided by lender selected provider.  08/09/2023 This loan passed the charges that cannot increase test.  (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). 08/09/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
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6971958 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/31/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  08/01/2023   08/01/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971958 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/31/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       07/31/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971958 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 07/31/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        07/31/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971962 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/11/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.  08/14/2023   08/14/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
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6971962 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/11/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/11/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971962 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/11/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        08/11/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6971963 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/09/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        08/09/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971963 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/09/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       08/09/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6971963 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 08/09/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.       08/09/2023 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993979 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
         Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6993979 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines.         Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6993979 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6993979 XXXXX XXXXX XXXXXXXXXX-3499 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 3499 Cleared Credit Unresolved derogatory credit Borrower has unresolved derogatory credit.  ; Borrower has unresolved derogatory credit.  XXXX Mentions that it is ok to proceed with the derogatory credit, however there is no Exception in file. Per guidelines: Total aggregate balance of accounts in dispute remaining unresolved cannot exceed $XXX.  
 XX.XX.XX - Additional Data Received. 11/28/2023 Borrower has no unresolved derogatory credit. Exception Resolved. 11/28/2023 Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
6993993 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/24/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993993 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/24/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993993 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/24/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of X.XX or $XXXXX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6994028 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/25/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
         Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6994028 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/25/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6994028 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/25/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993989 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/26/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993989 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/26/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993989 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/26/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6993992 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/30/2024 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met     HPML compliant 02/01/2024 Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6993992 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/31/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6993992 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 01/31/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has X.XX years at job.
 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6994018 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/01/2024 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
         Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6994018 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/02/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
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6994018 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/02/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7014554 XXXXX XXXXX XXXXXXXXXX-1442605 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/19/2024 1442605 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines, therefore, downgraded to A.      HPML compliant 02/19/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7014554 XXXXX XXXXX XXXXXXXXXX-1442617 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/19/2024 1442617 Cleared Compliance XXX Higher-Priced Mortgage Loan Test This loan failed the XXX higher-priced mortgage loan test. ( XXX )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.

While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines, therefore, downgraded to A. 		     HPML compliant 02/19/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7014587 XXXXX XXXXX XXXXXXXXXX-1431922 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 02/13/2024 1431922 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.           A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
7014585 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/06/2024 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML Loan with established escrows and appraisal requirements have been met.     HPML compliant 02/08/2024 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXXXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
7014585 XXXXX XXXXX XXXXXXXXXX-3603 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/08/2024 3603 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXXXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
7014585 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 02/08/2024 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of X.XX months or $XXXXX, are greater than the Guideline Minimum  or $X.XX.
; Borrower X has significant job time - Borrower has XXX years on job
; Borrower has more than X years at current residence - Borrower at current residence X.XX years
; Borrower has stable job time - Borrower has XXX years at job.
; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
6949732 XXXXX XXXXX XXXXXXXXXX-3602 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/17/2023 3602 Cleared Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.
       11/17/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
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6949732 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        11/20/2023 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
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6949732 XXXXX XXXXX XXXXXXXXXX-2578 XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/20/2023 2578 Cleared Credit Housing history does not meet guidelines Housing history does not meet guidelines. VOM in file reflecting mortage was obtained XX/XX/XXXX, but borrower purchased primary residence XX/XX/XXXX. Lender guidelines require a XXX month history. Lender provided a detailed property report as evidence the borrower owns primary residence free and clear. The mortgage was discharged on XX/XX/XXXX.  Pending HOI for XXX Colonial Avenue, as the HOI provided is for XXX.  Exception Remains.;
XX/XX/XXXX - Received HOI for property XXX.		 11/24/2023 Housing history meets guidelines. All documentation provided confirming the borrower's primary residence is free and clear, and both property taxes and HOI were provided verifying primary expense. Housing History would not be required as the mortgage on primary residence was released on XX/XX/XXXX.  Exception Resolved. 01/03/2024 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than X years at current residence - Borrower at current residence XXX years
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6969415 XXXXX XXXXX XXXXXXXXXX-FPRO8998 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 FPRO8998 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.          Qualifying FICO is Greater than the Guideline Minimum - Compensating Factor

Borrower has stable job time - Compensating Factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969415 XXXXX XXXXX XXXXXXXXXX-FCRE8999 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/13/2023 FCRE8999 Cleared Credit No Credit Findings The loan meets all applicable credit guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Compensating Factor

Borrower has stable job time - Compensating Factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969415 XXXXX XXXXX XXXXXXXXXX-finding-3352 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 12/12/2023 finding-3352 Cleared Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and appraisal requirements met; however, not allowed per lender guidelines.         Qualifying FICO is Greater than the Guideline Minimum - Compensating Factor

Borrower has stable job time - Compensating Factor		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
6969396 XXXXX XXXXX XXXXXXXXXX-1327 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 10/16/2023 1327 Acknowledged Credit Manual Underwrite is Missing ; Loan was approved as an Alt-Doc Asset Qualifier loan and Program no longer exists..  A Lender CHM Credit Exception Request Form in file granting an exception for loan to be underwritten and closed as a Asset Qualifier after program was phased out.  Acknowledged as an Option X per program using Mortgage Only to calc qualified assets. Lender identified the following compensating factors: Excellent Credit history with minimal use of consumer credit, borrower not having any discretionary debt, minimal to no payment shock, low DTI, significant residual income, and excessive reserves. Exception downgraded to a level X/B. Exception downgraded to a level X/B. 10/17/2023   10/17/2023 Borrower has more than X years at current residence - Borrower at current residence X.XX years
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6969396 XXXXX XXXXX XXXXXXXXXX-3782 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 10/16/2023 3782 Cleared Property No Property Findings Property and valuations related findings were not identified on the loan.        10/16/2023 Borrower has more than X years at current residence - Borrower at current residence X.XX years
 D B A A D B A A C A C C A C D D A C C C A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
6969396 XXXXX XXXXX XXXXXXXXXX-2570 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 10/14/2023 2570 Cleared Credit Final Loan Application is Missing Final loan application is Missing. Received final loan application excuted by the borrower. 10/20/2023 Final loan application is Present. Exception Resolved. 10/20/2023 Borrower has more than X years at current residence - Borrower at current residence X.XX years
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6969396 XXXXX XXXXX XXXXXXXXXX--96658 XXX XXXXX XX/XX/XXXX $XXXXXX XXX Non-QM: Lender documented all ATR UW factors Closed 10/16/2023 -96658 Cleared Compliance Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML escrow established, appraisal requirement met Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.;
HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.;
HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 		 10/17/2023 Higher-Priced Mortgage Loan ( XX CFR §XXXX.XX(a)(X) )The loan is not a higher-priced mortgage loan due one of the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, but the APR does not exceed the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, but the APR does not exceed the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien, but the APR does not exceed the Average Prime Offer Rate (X.XXX%) by X.X% or more. 10/16/2023 Borrower has more than X years at current residence - Borrower at current residence X.XX years
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