EX-99.3 4 ex99-3.htm CANOPY RATING AGENCY GRADES DETAIL REPORT

 

COLT 2023-1 ABS-15G

Exhibit 99.3

 

Loan ID Dummy ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File?
XXXX 4350101019     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101084     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350100996     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101088     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350100997     C A C A A A A A Closed FCRE1501 XXXX XXXX Resolved 1 - Information C A Credit Borrower Borrower Identification Documentation Partially Provided Resolved-Verification of identity is acceptable from resubmission. - Due Diligence Vendor-08/01/2022
Ready for Review-Document Uploaded.  - Seller-07/29/2022
Open-The patriot act form provide on page 960 was completed incorrectly. It appears that the date of birth was used in place of the expiration date; so, it appears that the identification that was used expired in xxx.  - Due Diligence Vendor-07/22/2022		 Ready for Review-Document Uploaded.  - Seller-07/29/2022

 Resolved-Verification of identity is acceptable from resubmission. - Due Diligence Vendor-08/01/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other N/A N/A
XXXX 4350101087     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350101036     D A A A A A D A Closed FVAL8862 XXXX XXXX Resolved 1 - Information D A Property Missing Doc File does not contain all required valuation documents Resolved-Full appraisal provided at resubmission; Desk Review was uploaded with original package. - Due Diligence Vendor-07/29/2022

Ready for Review-Document Uploaded.  - Seller-07/28/2022

Open-Missing Primary 1004 - Due Diligence Vendor-07/27/2022		 Ready for Review-Document Uploaded.  - Seller-07/28/2022

 Resolved-Full appraisal provided at resubmission; Desk Review was uploaded with original package. - Due Diligence Vendor-07/29/2022

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101006     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101085     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101037     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA    
XXXX 4350101079     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101089     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101090     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101086     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350101015     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101039     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350100988     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101038     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101029     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350100986     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101020     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101017     D A D A A A A A Closed FCRE5771 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc Borrower 2 Credit Report is Missing Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/23/2022

Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

Ready for Review-Document Uploaded.  - Seller-08/26/2022

Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-08/25/2022		 Ready for Review-Document Uploaded.  - Seller-08/26/2022

 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/23/2022

 Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101017     D A D A A A A A Closed FCRE1440 XXXX XXXX Resolved 1 - Information C A Credit Eligibility Housing History Does Not Meet Guideline Requirements Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/23/2022

Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

Ready for Review-please clarify. - Seller-08/26/2022

Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-08/25/2022		 Ready for Review-please clarify. - Seller-08/26/2022

 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/23/2022

 Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months     ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101017     D A D A A A A A Closed FCRE5770 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Credit Report is Missing Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/23/2022

Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

Ready for Review-Document Uploaded.  - Seller-08/26/2022

Open-Borrower 1 Credit Report is Missing. Per guidelines, XXXX traditional or non-traditional credit line or reference required (i.e. bank reference, attorney reference, housing reference) Must be converted to English. Page  346 in file provides an LOE; however, it does not show adequate housing pay history, and the credit report mentioned for XXXX is not in file. - Due Diligence Vendor-08/25/2022		 Ready for Review-Document Uploaded.  - Seller-08/26/2022

 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/23/2022

 Resolved-Translated foreign credit report provided with no indication of serious derogatory items.  As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101021     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350100998     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350100992     D A D A A A A A Closed FCRE9134 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc Missing HELOC Closure Letter Resolved-Received sufficient documentation showing HELOC is being closed with payoff.  - Due Diligence Vendor-09/19/2022

Ready for Review-Document Uploaded. Please see clause on the payoff stmt - This is a payoff stmt issued to customers who intend to payoff and close their account...HELOC was paid off at close.  Thank you, - Seller-09/19/2022

Counter-Received CD to support HELOC paid at closing. Missing HELOC closing letter to support the HELOC has been closed to future draws.  - Due Diligence Vendor-09/19/2022

Ready for Review-Document Uploaded. 1st and 2nd loan were paid at close - Seller-09/16/2022

Open-Missing HELOC closure letter or documentation from borrower that the HELOC is past the draw period.   - Due Diligence Vendor-09/13/2022		 Ready for Review-Document Uploaded. Please see clause on the payoff stmt - This is a payoff stmt issued to customers who intend to payoff and close their account...HELOC was paid off at close.  Thank you, - Seller-09/19/2022

 Ready for Review-Document Uploaded. 1st and 2nd loan were paid at close - Seller-09/16/2022

 Resolved-Received sufficient documentation showing HELOC is being closed with payoff.  - Due Diligence Vendor-09/19/2022

 Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.91% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
XXXX 4350101009     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101014     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350101018     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101016     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101030     D A D A A A A A Closed FCRE1964 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc Missing income documentation Resolved-Additional pages provided matching total deposits to lender worksheet in file and in line for overall picture of business cash flow. - Due Diligence Vendor-09/30/2022
Ready for Review-Document Uploaded.  - Seller-09/29/2022
Open-Clarification: File contains only page 1- a cover sheet- for xxx and xxx of xxx.  While guideline does allow additional pages to be waived if total deposit and withdrawal activity can be verified with a partial statement, in this instance no activity can be gleaned.  Please note if breakdown reflects a significant variance from the other months being evaluated, all pages may still be required to confirm eligibility. - Due Diligence Vendor-09/28/2022
Open-missing bank statement that confirms deposits for xxx and xxx of xxx - Due Diligence Vendor-09/26/2022		 Ready for Review-Document Uploaded.  - Seller-09/29/2022

 Resolved-Additional pages provided matching total deposits to lender worksheet in file and in line for overall picture of business cash flow. - Due Diligence Vendor-09/30/2022

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.1% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 61.82 Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.711820895522388		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCRE5778 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Eligibility Borrower 1 Credit Report is Expired Acknowledged-Investor Exception issued to extend credit report expiration by 30 days- up to xxx; per the Note, closed on xxx. - Due Diligence Vendor-10/07/2022
Ready for Review-Document Uploaded.  - Seller-10/06/2022
Open-Borrower 1 Credit Report is Expired (Greater than XXXX days from the Closing Date). - Due Diligence Vendor-09/26/2022		 Ready for Review-Document Uploaded.  - Seller-10/06/2022

 Acknowledged-Investor Exception issued to extend credit report expiration by 30 days- up to xxx; per the Note, closed on xxx. - Due Diligence Vendor-10/07/2022
 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		 Credit: Twenty-four (24) months housing history reviewed with no late payments.
Assets: Excess Reserves
Other: Qualifying FICO is 34 points higher than program minimum of xxx		 xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA Investor Post-Close No
XXXX 4350101091     D B C B D A A A Closed FCOM1207 XXXX XXXX Resolved 1 - Information C A Compliance Closing Package The Note is Not Executed Resolved-The Note is Executed Executed copy of Note and Addendum provided at resubmission. - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-The Note is Not Executed - Due Diligence Vendor-09/26/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-The Note is Executed Executed copy of Note and Addendum provided at resubmission. - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCOM1209 XXXX XXXX Resolved 1 - Information C A Compliance Closing Package Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty Resolved-Received document  - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty - Due Diligence Vendor-09/26/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-Received document  - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCOM1229 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package 1-4 Family Rider is Missing Resolved-***Received Document  - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-1-4 Family Rider is Missing - Due Diligence Vendor-09/23/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-***Received Document  - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCOM1224 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package Condo Rider is Missing Resolved-***Received Document  - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-Condo Rider is Missing - Due Diligence Vendor-09/23/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-***Received Document  - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCOM1220 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-The Deed of Trust is Missing - Due Diligence Vendor-09/23/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101091     D B C B D A A A Closed FCOM1232 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Fully executed final 1003 reflecting correct borrower and loan term information. - Due Diligence Vendor-09/27/2022

Ready for Review-Document Uploaded.  - Seller-09/26/2022

Open-The Final 1003 is Missing - Due Diligence Vendor-09/23/2022		 Ready for Review-Document Uploaded.  - Seller-09/26/2022

 Resolved-Fully executed final 1003 reflecting correct borrower and loan term information. - Due Diligence Vendor-09/27/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350100994     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101023     D A A A D A A A Closed FCOM1232 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-09/30/2022

Ready for Review-Document Uploaded. Final 1003 attached, thank you. - Seller-09/29/2022

Open-The Final 1003 is Missing - Due Diligence Vendor-09/27/2022		 Ready for Review-Document Uploaded. Final 1003 attached, thank you. - Seller-09/29/2022

 Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-09/30/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 14 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101078     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101034     C A A A C A A A Closed finding-47 XXXX XXXX Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received copy of PCCD - Due Diligence Vendor-10/05/2022

Ready for Review-Document Uploaded.  - Seller-10/05/2022

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *****The funding date is before the third business day following consummation. Funding Worksheet on page 399 does not list the funding date. Funding date confirmation needed from lender. - Due Diligence Vendor-10/05/2022		 Ready for Review-Document Uploaded.  - Seller-10/05/2022

 Resolved-Received copy of PCCD - Due Diligence Vendor-10/05/2022

 Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.34% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101007     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350100993     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101008     D A A A D A A A Closed FCOM1232 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/07/2022

Ready for Review-Document Uploaded.  - Seller-10/06/2022

Open-The Final 1003 is Missing - Due Diligence Vendor-10/05/2022		 Ready for Review-Document Uploaded.  - Seller-10/06/2022

 Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/07/2022

 Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 34 Years
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101001     D A A A D A A A Closed finding-47 XXXX XXXX Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD with updated disbursement date - Due Diligence Vendor-10/24/2022
Ready for Review-Document Uploaded. PCCD and FSS - Seller-10/17/2022
Counter-The disbursement date on FCD is dated xxx. it does not adhere to the 3 day cooling period. - Due Diligence Vendor-10/13/2022
Ready for Review-Document Uploaded. NRTC attached, thank you - Seller-10/12/2022
Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Copy of Right of Rescission is Missing from the file - Due Diligence Vendor-10/06/2022		 Ready for Review-Document Uploaded. PCCD and FSS - Seller-10/17/2022

 Ready for Review-Document Uploaded. NRTC attached, thank you - Seller-10/12/2022

 Resolved-Received PCCD with updated disbursement date - Due Diligence Vendor-10/24/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX Years

Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A
XXXX 4350101001     D A A A D A A A Closed FCOM1262 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - ROR Right of Rescission is Missing Resolved-Received Right of Rescission - Due Diligence Vendor-10/13/2022

Ready for Review-Document Uploaded.  - Seller-10/12/2022

Open-Right of Rescission is Missing Copy of Right of Rescission is Missing from the file - Due Diligence Vendor-10/06/2022		 Ready for Review-Document Uploaded.  - Seller-10/12/2022

 Resolved-Received Right of Rescission - Due Diligence Vendor-10/13/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years -XXXX
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A
XXXX 4350101022     B A B A A A A A Closed FCRE1183 XXXX XXXX Resolved 1 - Information B A Credit Missing Doc - Approval Info Approval/Underwriting Summary Partially Provided Resolved-Final Approval provided at resubmission. - Due Diligence Vendor-10/11/2022

Ready for Review-Document Uploaded.  - Seller-10/11/2022

Open-1008/Underwriting Summary is fully present Underwriting Final Approval not in file, Conditional Approval is in file. - Due Diligence Vendor-10/10/2022		 Ready for Review-Document Uploaded.  - Seller-10/11/2022

 Resolved-Final Approval provided at resubmission. - Due Diligence Vendor-10/11/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years -XXXXQualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By XXXX or More Points		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350100987     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101005     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350100991     D A D A A A A A Closed FCRE5770 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc Borrower 1 Credit Report is Missing Resolved-Received credit report, meets guideline requirements. Condition cleared. - Due Diligence Vendor-10/14/2022

Ready for Review-Document Uploaded.  - Seller-10/14/2022

Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/13/2022		 Ready for Review-Document Uploaded.  - Seller-10/14/2022

 Resolved-Received credit report, meets guideline requirements. Condition cleared. - Due Diligence Vendor-10/14/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 18 By XXXX Or More Months

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.48% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other N/A N/A
XXXX 4350100999     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101000     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101010     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350100989     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101069     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350100990     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other    
XXXX 4350101011     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350101004     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101035     C A A A C A A A Closed finding-3652 XXXX XXXX Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022
Ready for Review-Document Uploaded.  - Seller-11/02/2022
Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022
Ready for Review-Document Uploaded.  - Seller-10/21/2022
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022		 Ready for Review-Document Uploaded.  - Seller-11/02/2022

 Ready for Review-Document Uploaded.  - Seller-10/21/2022

 Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022

 Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101035     C A A A C A A A Closed finding-3631 XXXX XXXX Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022
Ready for Review-Document Uploaded.  - Seller-11/02/2022
Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022
Ready for Review-Document Uploaded.  - Seller-10/21/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ***Appraisal Fee increased XXXX. Lender cure (XXXX) was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022		 Ready for Review-Document Uploaded.  - Seller-11/02/2022

 Ready for Review-Document Uploaded.  - Seller-10/21/2022

 Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022

 Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101035     C A A A C A A A Closed finding-3632 XXXX XXXX Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022
Ready for Review-Document Uploaded.  - Seller-11/02/2022
Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022
Ready for Review-Document Uploaded.  - Seller-10/21/2022
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ***Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022		 Ready for Review-Document Uploaded.  - Seller-11/02/2022

 Ready for Review-Document Uploaded.  - Seller-10/21/2022

 Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022

 Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101035     C A A A C A A A Closed finding-3634 XXXX XXXX Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022
Ready for Review-Document Uploaded.  - Seller-11/02/2022
Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022
Ready for Review-Document Uploaded.  - Seller-10/21/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022		 Ready for Review-Document Uploaded.  - Seller-11/02/2022

 Ready for Review-Document Uploaded.  - Seller-10/21/2022

 Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022

 Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101031     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101032     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101002     C B C B A A A A Closed FCRE1194 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Eligibility Audited LTV Exceeds Guideline LTV Acknowledged-Received approved exception to Allow LTV to 85% on Cash Out AltDoc - Due Diligence Vendor-10/24/2022

Ready for Review-Document Uploaded.  - Seller-10/24/2022

Open-Audited LTV of 85% exceeds Guideline LTV of 80% Guideline maximum LTV for cash out is 70%. Exception request on page 884 - Due Diligence Vendor-10/20/2022		 Ready for Review-Document Uploaded.  - Seller-10/24/2022

 Acknowledged-Received approved exception to Allow LTV to 85% on Cash Out AltDoc - Due Diligence Vendor-10/24/2022

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months		 Credit: Excellent credit history / minimal use of consumer credit
Income: Low DTI
Assets: Excessive Reserves		 xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other Originator Pre-Close Yes
XXXX 4350101025     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance No Cash Out - Borrower Initiated    
XXXX 4350101024     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101040     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101026     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101033     D A D A B A A A Closed FCRE1241 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc - Property Purchase Contract is Missing Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/04/2022

Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-11/01/2022

Ready for Review-Document Uploaded.  - Seller-10/31/2022

Open-Purchase Contract Is Missing - Due Diligence Vendor-10/28/2022		 Ready for Review-Document Uploaded.  - Seller-10/31/2022

 Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/04/2022

 Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-11/01/2022

 Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101033     D A D A B A A A Closed FCOM5135 XXXX XXXX Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Required Affiliated Business Disclosure Missing Resolved-Required Affiliated Business Disclosure Resolved.  **Received unexecuted copy issued xxx, able to confirm the same was provided to the borrower electronically on xxx per Disclosure Tracking Details documents sent section. - Due Diligence Vendor-11/01/2022
Ready for Review-Document Uploaded.  - Seller-11/01/2022
Open-Required Affiliated Business Disclosure Missing  Affiliated Business Disclosure not in the file - Due Diligence Vendor-10/31/2022		 Ready for Review-Document Uploaded.  - Seller-11/01/2022

 Resolved-Required Affiliated Business Disclosure Resolved.  **Received unexecuted copy issued xxx, able to confirm the same was provided to the borrower electronically on xxx per Disclosure Tracking Details documents sent section. - Due Diligence Vendor-11/01/2022
 Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101080     D A D A A A A A Closed FCRE1254 XXXX XXXX Resolved 1 - Information A A Credit Title Property Title Issue Resolved-Received the final title policy.  Items #9 and #10 on the title commitment ar not reflected on the final title [policy.  Condition resolved. - Due Diligence Vendor-11/09/2022

Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/09/2022

Open-Document Uploaded.  - Due Diligence Vendor-11/09/2022

Open-Per statement from title insurer, executed affidavits were to be provided at closing to resolve items #9 and #10 listed on commitment.  Please provide a copy of these forms to confirm the Exceptions will not carry over to Final Policy. - Due Diligence Vendor-11/09/2022		   Resolved-Received the final title policy.  Items #9 and #10 on the title commitment ar not reflected on the final title [policy.  Condition resolved. - Due Diligence Vendor-11/09/2022

 Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/09/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.8183482450103234		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other N/A N/A
XXXX 4350101080     D A D A A A A A Closed FCRE1252 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc - Title Title Document is Incomplete Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/09/2022

Resolved-Full Title Commitment provided at resubmission. - Due Diligence Vendor-11/09/2022

Ready for Review-Document Uploaded. Please see 3rd page of the attachment, thank you. - Seller-11/07/2022

Open-Title Document is Incomplete only Schedule A is provided for the preliminary report - Due Diligence Vendor-10/31/2022		 Ready for Review-Document Uploaded. Please see 3rd page of the attachment, thank you. - Seller-11/07/2022

 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/09/2022

 Resolved-Full Title Commitment provided at resubmission. - Due Diligence Vendor-11/09/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.8183482450103234		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other N/A N/A
XXXX 4350101092     C B C B A A A A Closed FCRE1196 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Eligibility Audited HCLTV Exceeds Guideline HCLTV Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022
Ready for Review-Document Uploaded.  - Seller-11/07/2022
Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%.  Higher percentages are allowed if DSCR returns >100%.  Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022
Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
Open-Audited HCLTV of 70% exceeds Guideline HCLTV of 65% Max HCLTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022		 Ready for Review-Document Uploaded.  - Seller-11/07/2022
 Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
 Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX		 Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx
 xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA Originator Pre-Close Yes
XXXX 4350101092     C B C B A A A A Closed FCRE1195 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Eligibility Audited CLTV Exceeds Guideline CLTV Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022
Ready for Review-Document Uploaded. Thank you for the clarification, xxx. xxx Exception attached. - Seller-11/07/2022
Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%.  Higher percentages are allowed if DSCR returns >100%.  Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022
Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% Max CLTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022		 Ready for Review-Document Uploaded. Thank you for the clarification, XXXX. XXXX Exception attached. - Seller-11/07/2022
 Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
 Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX		 Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx
 xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA Originator Pre-Close Yes
XXXX 4350101092     C B C B A A A A Closed FCRE1194 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Eligibility Audited LTV Exceeds Guideline LTV Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022
Ready for Review-Document Uploaded. Thank you for the clarification, xxx. xxx Exception attached. - Seller-11/07/2022
Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%.  Higher percentages are allowed if DSCR returns >100%.  Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022
Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
Counter-1008 in file indicates DSCR as =>135%, however even at initial payment, total housing expense for the subject is $xxx and per 1007, market rent is $xxx, for a DSCR of .903%.  At fully amortized rate ratio is .778%.  Per product matrix, if DSCR <1, maximum LTV/CLTV is 65%.  Please provide acceptable policy variance to allow for 5% lift. - Due Diligence Vendor-11/03/2022
Ready for Review-Please send us your calculation. Thank you - Seller-11/03/2022
Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022		 Ready for Review-Document Uploaded. Thank you for the clarification, XXXX. XXXX Exception attached. - Seller-11/07/2022
 Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022
 Ready for Review-Please send us your calculation. Thank you - Seller-11/03/2022
 Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX		 Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx
 xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA Originator Pre-Close Yes
XXXX 4350101042     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101044     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Purchase NA    
XXXX 4350101046     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101027     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA    
XXXX 4350101012     A A A A A A A A Closed FCOM1220 XXXX XXXX Resolved 1 - Information A A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/15/2022

Ready for Review-Document Uploaded.  - Seller-11/15/2022

Open-The Deed of Trust is Missing The Deed of Trust is Missing - Due Diligence Vendor-11/15/2022		 Ready for Review-Document Uploaded.  - Seller-11/15/2022

 Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/15/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350101045     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101013     C B C B A A A A Closed FCRE8138 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Income DSCR is less than the guideline minimum Acknowledged-Transaction was originated outside of standard guidelines per xxx Matrix dated xxx with a DSCR of <1.00.  Post-closing program was revised to xxx program and meets all eligibility requirements.  - Due Diligence Vendor-12/07/2022
Ready for Review-Document Uploaded.  - Seller-12/06/2022
Counter-The Matrix provided on page 5 of 44 of xxx Guidelines Dated xxx indicates DSCR must be 1.00 or above, which is further stated on page 15.  Foreign National matrix included with folder designated "xxx Matrices- All Programs XXXX" also reflects availability of DSCR >1.00.  If an update to this program has been made, please provide confirmation of same, or an Approved Exception to allow at <1.00. - Due Diligence Vendor-11/30/2022
Ready for Review-Please advise what set of guidelines you are referring to? I do not see a caveat saying less than 1% is not allowed on xxx.   - Seller-11/28/2022
Ready for Review-Estimated monthly market rent from 1007 / Subject property PITIA= $xxx/$xxx= 0.82. xxx guidelines indicate that the guideline minimum DSCR is 1, so the guideline minimum is not met. PITIA calculated as principal and interest payment $xxx + tax $xxx + insurance $xxx + HOA $xxx = $xxx.  - Due Diligence Vendor-11/22/2022
Ready for Review-Please upload your calculations. Thank you - Seller-11/22/2022
Open-DSCR ratio of .93 is less than minimum 1. per guidelines. - Due Diligence Vendor-11/22/2022		 Ready for Review-Document Uploaded.  - Seller-12/06/2022
 Ready for Review-Please advise what set of guidelines you are referring to? I do not see a caveat saying less than 1% is not allowed on xxx.   - Seller-11/28/2022
 Ready for Review-Please upload your calculations. Thank you - Seller-11/22/2022
 Acknowledged-Transaction was originated outside of standard guidelines per xxx Matrix dated xxx with a DSCR of <1.00.  Post-closing program was revised to No Ratio program and meets all eligibility requirements.  - Due Diligence Vendor-12/07/2022
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA Investor Post-Close No
XXXX 4350101028     D A A A D A A A Closed FCOM1511 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package Closing/Settlement Disclosure Missing Resolved-Received copy of executed Final CD - Due Diligence Vendor-11/28/2022

Ready for Review-Document Uploaded.  - Seller-11/22/2022

Open-Missing settlement statement executed by the borrower at closing. Several provided but are not executed. Only the certified final settlement statement dated after closing provided. - Due Diligence Vendor-11/22/2022		 Ready for Review-Document Uploaded.  - Seller-11/22/2022

 Resolved-Received copy of executed Final CD - Due Diligence Vendor-11/28/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months		   xxx.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Purchase NA N/A N/A
XXXX 4350100995     D A A A D A A A Closed finding-47 XXXX XXXX Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD and FSS. - Due Diligence Vendor-11/28/2022

Ready for Review-Document Uploaded.  - Seller-11/21/2022

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *****The funding date is before the third business day following consummation. Confirmation of funding date needed from lender.  - Due Diligence Vendor-11/18/2022		 Ready for Review-Document Uploaded.  - Seller-11/21/2022

 Resolved-Received PCCD and FSS. - Due Diligence Vendor-11/28/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More -XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A
XXXX 4350100995     D A A A D A A A Closed FCOM1228 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package Other Rider is Missing Resolved-ARM rider provided.  - Due Diligence Vendor-11/28/2022

Ready for Review-Document Uploaded.  - Seller-11/21/2022

Open-Missing the MERS rider, PUD Rider and ARM Rider to the mortgage. - Due Diligence Vendor-11/18/2022		 Ready for Review-Document Uploaded.  - Seller-11/21/2022

 Resolved-ARM rider provided.  - Due Diligence Vendor-11/28/2022

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXXBorrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A
XXXX 4350101041     C A A A C A A A Closed finding-3631 XXXX XXXX Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
Ready for Review-Document Uploaded.  - Seller-12/01/2022
Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx.  Final Settlement statement confirms borrower paid $xxx.  The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022
Ready for Review-Document Uploaded.  - Seller-11/30/2022
Counter-Received PCCD with revised Re-Inspection Fee amount.  Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022
Ready for Review-Document Uploaded.  - Seller-11/29/2022
Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022
Ready for Review-Document Uploaded.  - Seller-11/21/2022
Open-*****Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022		 Ready for Review-Document Uploaded.  - Seller-12/01/2022

 Ready for Review-Document Uploaded.  - Seller-11/30/2022

 Ready for Review-Document Uploaded.  - Seller-11/29/2022

 Ready for Review-Document Uploaded.  - Seller-11/21/2022

 Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
 Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101041     C A A A C A A A Closed finding-3632 XXXX XXXX Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
Ready for Review-Document Uploaded.  - Seller-12/01/2022
Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx.  Final Settlement statement confirms borrower paid $xxx.  The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022
Ready for Review-Document Uploaded.  - Seller-11/30/2022
Counter-Received PCCD with revised Re-Inspection Fee amount.  Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022
Ready for Review-Document Uploaded.  - Seller-11/29/2022
Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022
Ready for Review-Document Uploaded.  - Seller-11/21/2022
Open-*****Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022		 Ready for Review-Document Uploaded.  - Seller-12/01/2022

 Ready for Review-Document Uploaded.  - Seller-11/30/2022

 Ready for Review-Document Uploaded.  - Seller-11/29/2022

 Ready for Review-Document Uploaded.  - Seller-11/21/2022

 Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
 Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101041     C A A A C A A A Closed finding-3634 XXXX XXXX Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
Ready for Review-Document Uploaded. Corrected FSS - Seller-12/01/2022
Ready for Review-Document Uploaded.  - Seller-12/01/2022
Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx.  Final Settlement statement confirms borrower paid $xxx.  The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022
Counter-Received PCCD with revised Re-Inspection Fee amount.  Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022
Ready for Review-Document Uploaded.  - Seller-11/29/2022
Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022
Ready for Review-Document Uploaded.  - Seller-11/21/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *****Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022		 Ready for Review-Document Uploaded. Corrected FSS - Seller-12/01/2022

 Ready for Review-Document Uploaded.  - Seller-12/01/2022

 Ready for Review-Document Uploaded.  - Seller-11/29/2022

 Ready for Review-Document Uploaded.  - Seller-11/21/2022

 Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022
 Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 3 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101070     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101043     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101003     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101052     C A A A C A A A Closed finding-47 XXXX XXXX Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Received PCCD and FSS with correct disbursement date - Due Diligence Vendor-12/07/2022

Ready for Review-Document Uploaded.  - Seller-12/06/2022

Open-This loan failed the TILA right of rescission test.

Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **** Disbursement date per Final CD in file is same date as third day of borrower's rescission period (11.21.22). Lender to provide evidence that loan disbursement occurred after borrower's 3-day rescission period - on or after 11.22.22 - Due Diligence Vendor-12/05/2022		 Ready for Review-Document Uploaded.  - Seller-12/06/2022

 Resolved-Received PCCD and FSS with correct disbursement date - Due Diligence Vendor-12/07/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.8381143740340031

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months

Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX Years		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other N/A N/A
XXXX 4350101047     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101048     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101066     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101067     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated    
XXXX 4350101055     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101056     C B C B A A A A Closed FCRE1491 XXXX XXXX Acknowledged 2 - Non-Material C B Credit Assets Asset Qualification Does Not Meet Guideline Requirements Acknowledged-Investor Exception issued for less than 5% minimum investment from borrower for a first-time homeowner using gift funds for majority of downpayment. - Due Diligence Vendor-12/27/2022
Ready for Review-Document Uploaded.  - Seller-12/27/2022
Open-Alt Doc program requires a minimum of 5% from the borrower into the transaction- which is $xxx.  Per PCCD in file, total amount paid by the applicant is $xxx.  Additionally, $xxx earnest money source was not verified in the file.  Please provide an Approved Exception to allow less than 5% of the borrower's own funds being used for cash to close. - Due Diligence Vendor-12/12/2022		 Ready for Review-Document Uploaded.  - Seller-12/27/2022

 Acknowledged-Investor Exception issued for less than 5% minimum investment from borrower for a first-time homeowner using gift funds for majority of downpayment. - Due Diligence Vendor-12/27/2022

 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.97% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX Years		 Credit: Twenty-four (24) months housing history reviewed with no late payments; Income: Significant residual income ($xxx/mo) xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA Investor Post-Close No
XXXX 4350101058     D A C A D A A A Closed FCOM1220 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust is Present. **received - Due Diligence Vendor-12/19/2022

Ready for Review-Document Uploaded.  - Seller-12/15/2022

Open-The Deed of Trust is Missing - file contains only the PUD Rider; please provide all pages to executed and notarized Security Instrument and any additional Riders as applicable. - Due Diligence Vendor-12/13/2022		 Ready for Review-Document Uploaded.  - Seller-12/15/2022

 Resolved-The Deed of Trust is Present. **received - Due Diligence Vendor-12/19/2022

 Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101058     D A C A D A A A Closed FCRE1205 XXXX XXXX Resolved 1 - Information C A Credit Eligibility OFAC Check Not Completed and/or Cleared Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/19/2022

Ready for Review-Document Uploaded.  - Seller-12/16/2022

Open-OFAC Check Not Completed and/or Cleared Per Fraud Report in file, borrower returned as a possible match to a Federal Exclusionary List- please provide documentation used to clear this alert. - Due Diligence Vendor-12/13/2022		 Ready for Review-Document Uploaded.  - Seller-12/16/2022

 Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/19/2022

 Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101068     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101059     C B C A C B A A Closed finding-3634 XXXX XXXX Cured 2 - Non-Material C B Compliance TRID Tolerance Charges That Cannot Increase Test Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

Ready for Review-Document Uploaded.  - Seller-12/29/2022

Counter-Received PCC, LOE and check request form.  Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022

Ready for Review-Document Uploaded.  - Seller-12/19/2022

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *****Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022		 Ready for Review-Document Uploaded.  - Seller-12/29/2022

 Ready for Review-Document Uploaded.  - Seller-12/19/2022

 Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101059     C B C A C B A A Closed finding-3631 XXXX XXXX Cured 2 - Non-Material C B Compliance Points & Fees Reimbursement Amount Validation Test Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

Ready for Review-Document Uploaded.  - Seller-12/29/2022

Counter-Received PCC, LOE and check request form.  Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022

Ready for Review-Document Uploaded.  - Seller-12/19/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *****Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022		 Ready for Review-Document Uploaded.  - Seller-12/29/2022

 Ready for Review-Document Uploaded.  - Seller-12/19/2022

 Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101059     C B C A C B A A Closed finding-3632 XXXX XXXX Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

Ready for Review-Document Uploaded.  - Seller-12/29/2022

Counter-Received PCC, LOE and check request form.  Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022

Ready for Review-Document Uploaded.  - Seller-12/19/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *****Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022		 Ready for Review-Document Uploaded.  - Seller-12/29/2022

 Ready for Review-Document Uploaded.  - Seller-12/19/2022

 Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101059     C B C A C B A A Closed FCRE8201 XXXX XXXX Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Property History Report in file does reflect borrower as co-owner, however Note, mortgage statement, and insurance policy reflect only the primary holder.  DTI when including taxes and insurance is in line and confirmed with copy of Note that borrower does not have obligation to this debt; issue resolved. - Due Diligence Vendor-12/19/2022
Ready for Review-Document Uploaded. -per UW: They are looking at it wrong.  Attached is a copy of the Note in the file that references the property address secured by this lien (xxx) and the Note Holder/Payee is xxx and the Payor is xxx which is not our borrower.  The LOE in the files states that this is his XXXX.  This is sufficient documentation to prove that our borrower is not liable for this debt. - Seller-12/16/2022
Open-Approval states that borrower not responsible for payment at xxx and XXXX pays mortgage.  Docs show that XXXX is the Note holder and mortgage statement shows XXXX is the payee.  Need some kind of proof showing that borrower does not pay mortgage via documentation showing XXXX paying the mortgage. - Due Diligence Vendor-12/15/2022		 Ready for Review-Document Uploaded. -per UW: They are looking at it wrong.  Attached is a copy of the Note in the file that references the property address secured by this lien (xxx) and the Note Holder/Payee is xxx and the Payor is xxx which is not our borrower.  The LOE in the files states that this is his XXXX.  This is sufficient documentation to prove that our borrower is not liable for this debt. - Seller-12/16/2022
 Resolved-Property History Report in file does reflect borrower as co-owner, however Note, mortgage statement, and insurance policy reflect only the primary holder.  DTI when including taxes and insurance is in line and confirmed with copy of Note that borrower does not have obligation to this debt; issue resolved. - Due Diligence Vendor-12/19/2022

 Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101050     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance Cash Out - Other    
XXXX 4350101057     D A D A C A A A Closed finding-3601 XXXX XXXX Resolved 1 - Information C A Compliance TRID TRID Post-Consummation Revised Closing Disclosure Data Validation Test Resolved-Received PCCD and new IEAD. - Due Diligence Vendor-01/17/2023

Ready for Review-Document Uploaded.  - Seller-01/17/2023

Counter-Although the loan has funded and escrows will be corrected by the servicer when account is boarded, a  PCCD, LOE, and proof of delivery are needed as evidence the "Projected Payments" section on page 1 of the CD discloses the corrected information. - Due Diligence Vendor-01/04/2023

Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022

Open-Please provide acceptable PCCD issued to borrower reflecting revised HO6 insurance payment details. - Due Diligence Vendor-12/30/2022		 Ready for Review-Document Uploaded.  - Seller-01/17/2023

 Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022

 Resolved-Received PCCD and new IEAD. - Due Diligence Vendor-01/17/2023

 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 52.69 Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101057     D A D A C A A A Closed FCOM1621 XXXX XXXX Resolved 1 - Information B A Compliance Missing Doc - Federal Disclosure Initial Escrow Account Disclosure is Missing Resolved-Received new IEAD - Due Diligence Vendor-01/17/2023

Ready for Review-Document Uploaded.  - Seller-01/17/2023

Counter-Although the loan has funded and escrows will be corrected by the services when account is boarded, we will still need a corrected Initial Escrow Account Disclosure, PCCD disclosing the corrected Project Payment information, an LOE, and proof of delivery. - Due Diligence Vendor-01/04/2023

Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022

Open-Please provide acceptable updated Initial Escrow Disclosure issued to borrower reflecting revised HO6 insurance payment details. - Due Diligence Vendor-12/30/2022		 Ready for Review-Document Uploaded.  - Seller-01/17/2023

 Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022

 Resolved-Received new IEAD - Due Diligence Vendor-01/17/2023

 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101057     D A D A C A A A Closed FCRE1347 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc - Employment Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023
Ready for Review-Document Uploaded.  - Seller-01/06/2023
Counter-xxx search for business does not indicate the date this validation was pulled- please provide a complete copy including the date, or a lender certification attesting to when this verification was obtained. - Due Diligence Vendor-01/06/2023
Ready for Review-Document Uploaded.  - Seller-01/05/2023
Counter-Articles of Incorporation provided at resubmission to verify initial shares held entirely by the borrowers; still pending updated validation of business from CPA, re-searching of business registry, or other third party source as borrower-generated receipts are not sufficient per current guidelines. - Due Diligence Vendor-01/03/2023
Ready for Review-Document Uploaded.  - Seller-12/30/2022
Counter-No new information received- Alt Doc program guidelines do not specify allowance of borrower-generated receipts as proof of continued existence of the entity.  Please provide an updated registry search within 30 days prior to closing.  Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership has not been documented. - Due Diligence Vendor-12/30/2022
Ready for Review-Document Uploaded. -per Account Manager: the broker/borrower provided receipts as of 11/21, 11/22, and 11/23, this should work for the VOE  - Seller-12/29/2022
Open-Borrower 2 3rd Party VOE Prior to Close Missing . Please provide acceptable updated verification of borrowers' business as most recent registry search was performed xxx, more than 30 days prior to closing.  Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership was not documented in the file. - Due Diligence Vendor-12/20/2022		 Ready for Review-Document Uploaded.  - Seller-01/06/2023
 Ready for Review-Document Uploaded.  - Seller-01/05/2023
 Ready for Review-Document Uploaded.  - Seller-12/30/2022
 Ready for Review-Document Uploaded. -per Account Manager: the broker/borrower provided receipts as of xxx, xxx, and xxx, this should work for the VOE  - Seller-12/29/2022
 Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101057     D A D A C A A A Closed FCRE1316 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc - Employment Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023
Ready for Review-Document Uploaded.  - Seller-01/06/2023
Counter-xxx search for business does not indicate the date this validation was pulled- please provide a complete copy including the date, or a lender certification attesting to when this verification was obtained. - Due Diligence Vendor-01/06/2023
Ready for Review-Document Uploaded.  - Seller-01/05/2023
Counter-Articles of Incorporation provided at resubmission to verify initial shares held entirely by the borrowers; still pending updated validation of business from CPA, re-searching of business registry, or other third party source as borrower-generated receipts are not sufficient per current guidelines. - Due Diligence Vendor-01/03/2023
Ready for Review-Document Uploaded.  - Seller-12/30/2022
Counter-No new information received- Alt Doc program guidelines do not specify allowance of borrower-generated receipts as proof of continued existence of the entity.  Please provide an updated registry search within 30 days prior to closing.  Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership has not been documented. - Due Diligence Vendor-12/30/2022
Ready for Review-Document Uploaded.  - Seller-12/29/2022
Open-Borrower 1 3rd Party VOE Prior to Close Missing . Please provide acceptable updated verification of borrowers' business as most recent registry search was performed 11/2/22, more than 30 days prior to closing.  Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership was not documented in the file. - Due Diligence Vendor-12/20/2022		 Ready for Review-Document Uploaded.  - Seller-01/06/2023

 Ready for Review-Document Uploaded.  - Seller-01/05/2023

 Ready for Review-Document Uploaded.  - Seller-12/30/2022

 Ready for Review-Document Uploaded.  - Seller-12/29/2022

 Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101057     D A D A C A A A Closed FCRE9488 XXXX XXXX Resolved 1 - Information C A Credit Borrower Potential Occupancy/Current Address Issues identified in the file Resolved-Per response received, borrower has indicated intent to use solely as a second home and a new HO6 policy has been issued.  No gap in coverage present as prior policy including landlord protection was in effect up to conversion with the same insurer.  Separate items added to disclose new payment details accordingly. - Due Diligence Vendor-12/30/2022

Ready for Review-Document Uploaded. -per Account Manager: The updated insurance is now in the file, unfortunately they had to do a new policy so that home was done only as a 2nd home, the premium changed, I advised the broker to let borrower know to pay the premium and we will have to adjust the escrows at some point. I did leave the original policy in there because this will show we were covered up thru when the new policy for just 2nd home was put into place.  - Seller-12/29/2022

Open-Subject property was submitted and closed as a second home, however HO6 coverage in file indicates an endorsement for Rental Property.  Please provide satisfactory explanation and clarification on the subject's usage. - Due Diligence Vendor-12/20/2022		 Ready for Review-Document Uploaded. -per Account Manager: The updated insurance is now in the file, unfortunately they had to do a new policy so that home was done only as a 2nd home, the premium changed, I advised the broker to let borrower know to pay the premium and we will have to adjust the escrows at some point. I did leave the original policy in there because this will show we were covered up thru when the new policy for just 2nd home was put into place.  - Seller-12/29/2022

 Resolved-Per response received, borrower has indicated intent to use solely as a second home and a new HO6 policy has been issued.  No gap in coverage present as prior policy including landlord protection was in effect up to conversion with the same insurer.  Separate items added to disclose new payment details accordingly. - Due Diligence Vendor-12/30/2022

 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance No Cash Out - Borrower Initiated N/A N/A
XXXX 4350101060     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101062     D A C A D A A A Closed FCRE1348 XXXX XXXX Resolved 1 - Information C A Credit Employment Borrower 2 Total Years Employment Verified is Less Than 24 Months Resolved-Updated Worksheet including rationale for approval as required per Alt Doc guidelines provided at resubmission. - Due Diligence Vendor-12/30/2022

Ready for Review-Document Uploaded.  - Seller-12/29/2022

Counter-Agree with response, however neither 1008 nor bank statement analysis worksheet in original package includes underwriting rationale for approval with less than two years' self-employment- please provide. - Due Diligence Vendor-12/29/2022

Ready for Review--per Guidelines: When the Borrower has less than a two-year history of receiving income, an analysis must be
performed to justify the stability of the income used to qualify the Borrower  - Seller-12/28/2022

Open-Revision 12/27/22: Final 1003 provided at resubmission does not include prior employment details and both application and business records confirm the entity being used to qualify has been in existence less than 24 months.  Please provide satisfactory proof of prior history to meet Alt Doc Bank Statement program guidelines. - Due Diligence Vendor-12/27/2022

Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months Current employments is less than 2 years. Prior employment was not provided at the time of review and final 1003 was not provided to show if prior employment was disclosed. - Due Diligence Vendor-12/22/2022		 Ready for Review-Document Uploaded.  - Seller-12/29/2022

 Ready for Review--per Guidelines: When the Borrower has less than a two-year history of receiving income, an analysis must be
performed to justify the stability of the income used to qualify the Borrower  - Seller-12/28/2022

 Resolved-Updated Worksheet including rationale for approval as required per xxx guidelines provided at resubmission. - Due Diligence Vendor-12/30/2022
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3829940119760479
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 13.XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101062     D A C A D A A A Closed FCOM1232 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Missing Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/27/2022

Ready for Review-Document Uploaded.  - Seller-12/23/2022

Open-The Final 1003 is Missing Provide final executed 1003 from closing as it was not provided at the time of review. Only the initial 1003 was provided. - Due Diligence Vendor-12/22/2022		 Ready for Review-Document Uploaded.  - Seller-12/23/2022

 Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/27/2022

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3829940119760479
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More
Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 13.XXXX
Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months
Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points
Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101061     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated    
XXXX 4350101063     D A D A A A A A Closed FCRE1161 XXXX XXXX Resolved 1 - Information D A Credit Missing Doc - Insurance Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/11/2023

Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-01/06/2023

Ready for Review-Document Uploaded.  - Seller-01/05/2023

Open-Missing Flood Certificate - Due Diligence Vendor-01/04/2023		 Ready for Review-Document Uploaded.  - Seller-01/05/2023

 Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/11/2023

 Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-01/06/2023

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX
Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA N/A N/A
XXXX 4350101053     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101049     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101064     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101075     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101076     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101065     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101054     D A A A D A A A Closed FCOM1233 XXXX XXXX Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Final 1003 is Incomplete Resolved-The Final 1003 is Present - Due Diligence Vendor-01/17/2023

Ready for Review-Document Uploaded.  - Seller-01/13/2023

Counter-Please provide a copy of page 1 of Final 1003 initialed by borrower as Intent to Apply for Joint Credit. - Due Diligence Vendor-01/12/2023

Ready for Review-Document Uploaded.  - Seller-01/11/2023

Open-The Final 1003 is Incomplete Page 2 of the final 1003 is on pg. 739. Page 1 of the Final 1003 is not included in the file.  - Due Diligence Vendor-01/11/2023		 Ready for Review-Document Uploaded.  - Seller-01/13/2023

 Ready for Review-Document Uploaded.  - Seller-01/11/2023

 Resolved-The Final 1003 is Present - Due Diligence Vendor-01/17/2023

 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7724517374517375

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.38% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More		   xxx.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Second Home Refinance Cash Out - Other N/A N/A
XXXX 4350101051     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101074     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101072     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101071     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101077     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101073     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101081     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101094     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance No Cash Out - Borrower Initiated    
XXXX 4350101095     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101093     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Purchase NA    
XXXX 4350101082     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other    
XXXX 4350101083     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors xxx xxx Primary Residence Refinance Cash Out - Other