EX-99.29 30 ex99-29.htm CONSOLIDATED EXCEPTION STANDARD REPORT
 

GCAT 2025-NQM4 Trust ABS- 15G

Exhibit 99.29

Loan Number Seller Loan Number Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
536783959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 05/30/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/02/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
536783959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 05/30/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/02/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
536783959 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 05/30/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/02/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
555268456 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCRE1161 Credit Flood Certificate Missing Missing Flood Certificate Missing Flood Certificate Document Uploaded.  06/04/2025 Documentation provided is sufficient. Exception resolved 06/06/2025   D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
555268456 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
555268456 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
524102869 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM1223 Credit The Deed of Trust is Not Executed The Deed of Trust is Not Executed The Deed of Trust is Not Executed Document Uploaded.  06/04/2025 Documentation provided is sufficient. Exception resolved 06/06/2025   D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
524102869 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
524102869 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
579581125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM1223 Credit The Deed of Trust is Not Executed The Deed of Trust is Not Executed Document Uploaded.  06/04/2025 Documentation provided is sufficient. Exception resolved 06/06/2025   D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
579581125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCRE7497 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing Executed Notes, and Executed Final Closing Disclosures for concurrent loan closings XXX; XXX; XXX; XXX. Required per lender final approval. Document Uploaded.  06/04/2025 Documentation provided is sufficient. Exception resolved. 06/06/2025   D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
579581125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
579581125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/03/2025   D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
554792670 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/03/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
554792670 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/03/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
554792670 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/02/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/03/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
563496672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
563496672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
563496672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
538643763 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
538643763 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
538643763 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
558550114 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
558550114 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
558550114 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
542448633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
542448633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
542448633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578238920 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578238920 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578238920 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
528888665 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
528888665 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
528888665 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
535934630 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
535934630 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
535934630 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
530759968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
530759968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
530759968 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531207252 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531207252 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531207252 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/03/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/04/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
559389242 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Cured FCOM1851 Compliance Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. XXX) , which matches the subject lender, and therefore, RTC form model H9 (Same Creditor) was required to be used. Document Uploaded.  06/06/2025 Cure package provided 06/08/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. B B B B A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
559389242 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. B B A A A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
559389242 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. B B A A A A A A B B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B
564809089 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
564809089 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
564809089 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578281726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578281726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
578281726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
552229136 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
552229136 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
552229136 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
570251227 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE1483 Credit Asset XXX Does Not Meet Guideline Requirements Asset XXX Does Not Meet Guideline Requirements A $XXX Gift Letter from borrower's brother, XXX XXX, and a $XXX wire receipt from XXX to XXX were present in the loan file. Supporting documentation to establish ownership of XXX. by donor, XXX, is required, reflecting funds originated from Gift Letter asset, XXX, #XXX. Document Uploaded.  06/11/2025 Condition resolved as we have received evidence that the gift donor works for the company with name listed on check for the gift. ; Asset XXX Meets Guideline Requirements Or XXX 06/12/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
570251227 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
570251227 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
569129073 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
569129073 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
569129073 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
512244589 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
512244589 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
512244589 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509638285 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509638285 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509638285 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
560370051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCRE5774 Credit Borrower 1 Credit Report is Incomplete Borrower 1 Credit Report is Partially Present. Missing monthly payment for the auto loan with XXX #XXX. Tradeline is showing an open balance of $XXX and no monthly payment. Lender to verify a monthly payment or acceptably document the exclusion of the debt. Document Uploaded.  06/10/2025 Documentation provided is sufficient. Exception resolved. 06/11/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A C A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
560370051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
560370051 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A A A C A A A A A C C A A C C A A C C A A C C A A C C A A A A A A A A A A A A A A A A A A A A A A
575486625 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
575486625 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
575486625 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
559945138 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
559945138 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
559945138 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502958122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502958122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502958122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562223533 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562223533 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562223533 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/04/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/05/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
597319354 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
597319354 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
597319354 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562525663 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562525663 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
562525663 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574687231 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574687231 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574687231 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591382447 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591382447 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591382447 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
543878225 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE1158 Credit Hazard Insurance Policy is Partial Hazard Insurance Policy Partially Provided Hazard Policy rating information on page XXX reflects subject is tenant occupied vs submitted as owner occupied; and also reflects number of attached units is XXX or XXX vs submitted as SFR. Document Uploaded. ; Document Uploaded. page 2 updated to owner occupied. We were advised that the XXX cannot change the spot for # of attached units: 1 OR 2. advised to refer to the RCE for SFR. 06/20/2025 Documentation provided is sufficient. Exception resolved. 06/23/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D A D A D A C A B A D D C B D D C B D D C B D D C B D D C B A A A A A A A A A A A A A A A A A A A A
543878225 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FVAL9739 Property Property/Appraisal General Property/Appraisal guideline violation: The the appraiser States there is a unpermitted 2nd kitchen, and an unpermitted addition, that appears to be permitted as a den only, but no explanation as to why, and whether the property has an ADU. Document Uploaded.  06/11/2025 Explanation provided is sufficient. Exception resolved. 06/13/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D A C A D A C A B A D D C B D D C B D D C B D D C B D D C B A A A A A A A A A A A A A A A A A A A A
543878225 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM1621 Compliance Missing Initial Escrow Disclosure Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Initial Escrow Account Disclosure on page XXX is cut off and cannot be verified. Document Uploaded.  06/10/2025 Initial Escrow Account Disclosure is Resolved 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D A B A D A C A B A D D C B D D C B D D C B D D C B D D C B A A A A A A A A A A A A A A A A A A A A
502390278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502390278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502390278 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546219730 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546219730 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546219730 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
544388729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FCRE1174 Credit HO6 Master Insurance Policy is Partial HO-XXX Master Insurance Policy Partially Provided - Missing policy effective and expiration dates Document Uploaded. Last Page shows effective dates; Document Uploaded.  06/10/2025 Documentation provided is sufficient. Exception resolved.; The request is for Master Insurance policy missing effective and expiration dates and not the H06 insurance as uploaded. Exception remains. 06/11/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
544388729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
544388729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/05/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
566834942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE7495 Credit Verification of Borrower Liabilities Missing or Incomplete Final 1003 reflects REO's XXX and XXX have been recently refinanced with XXX. XXX refinance documentation for the two REO properties was not located in the loan file. Executed XXX documentation supporting terms of PITIA repayment for REO's XXX and XXX are required, including Flood Insurance premiums. Document Uploaded. ; Document Uploaded.  06/20/2025 DTI updated accordingly per closing documentations provided. Exception resolved.; Documentation received does not break down the PITIA for properties. Please provide Final CD's signed and dated or documentation verifying the Taxes, Insurance (and Flood Ins if applicable) and HOA if applicable for for REO's XXX and XXX. Exception Remains. 06/23/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B D A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
566834942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Cured finding-3634 Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130 Cure Required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund. The file is missing a valid COC to support the following fee increase: -The Transfer Taxes increased from $XXX to $XXX on the initial CD dated XX/XX/XXXX. The loan amount remained the same, at $XXX, and the file does not contain a valid COC for the increase of this fee. Document Uploaded.  06/17/2025 Cure package provided to the borrower; exception downgraded to a 2/B 06/18/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C B D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
566834942 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A A D A A A C B D D A C D D A C D D A C D D A C D D A C B A A B B A A B B A A B B A A B B A A B
561123430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
561123430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
561123430 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
523436158 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
523436158 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
523436158 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
553606906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
553606906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
553606906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/05/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/06/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
593195193 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
593195193 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
593195193 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
580804173 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
580804173 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
580804173 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509660762 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509660762 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
509660762 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
551196995 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
551196995 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
551196995 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
549598122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
549598122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
549598122 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
547803237 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
547803237 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
547803237 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574036651 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574036651 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
574036651 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
516837449 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
516837449 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
516837449 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
502167167 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCRE1241 Credit Purchase Contract is Missing Loan Purpose is Purchase but Purchase Contract Doc is Missing This purchase was completed through title-this is their contract. Please  re-review. ; Document Uploaded.  06/16/2025 Documentation provided is sufficient. Exception resolved.; Purchase Contract Doc is not Missing, or is XXX.; The request is for purchase contract and not Title documents. Please upload accordingly. Exception remains. 06/17/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
502167167 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
502167167 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
552763304 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
552763304 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
552763304 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
506129395 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
506129395 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
506129395 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/06/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025   A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
594513396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCOM3530 Compliance Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (XX/XX/XXXX.XXX(c) (XXX) )  Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. HPML escrow established, appraisal requirement met Document Uploaded. ; Document Uploaded.  06/13/2025 Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine; HPML does not allow the borrower to waive the XXX day right to receive the appraisal 06/14/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
594513396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
594513396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved finding-2962 Compliance CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
594513396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
594513396 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
551494334 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
551494334 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
551494334 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545322117 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545322117 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545322117 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
513293343 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/07/2025 Resolved FVAL9739 Property Property/Appraisal General Property/Appraisal guideline violation: Per lender approval the appraised value is $XXX vs audit appraised value of $XXX per appraisal and desk review found in file. Document Uploaded.  06/12/2025 Documentation provided is sufficient. Exception resolved. 06/13/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A C A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
513293343 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/07/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
513293343 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/07/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
597714595 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
597714595 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
597714595 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
543959800 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
543959800 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
543959800 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/08/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
577887793 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Acknowledged FCRE1437 Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines P&L is expired. Per lender guidelines: P&L end date must be less than sixty (XXX) days old at closing. P&L end date is XX/XX/XXXX vs note date of XX/XX/XXXX which is XXX days, not less than XXX days. Document Uploaded.  06/12/2025 Income and Employment Do Not Meet Guidelines Lender qualified borrower using income from P&L Statement under Alt-Doc Prime P&L XXX year fixed loan program, however, P&L end date is XX/XX/XXXX vs Note date of XX/XX/XXXX which is XXX days and not less than XXX days required by guidelines. Lender identified the following compensating factors to justify the exception: 06/13/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C B C B C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
577887793 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
577887793 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/07/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. C B A A C B A A A A C C A A C C A A C C A A C C A A C C A A B B A A B B A A B B A A B B A A B B A A
548611990 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.     HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
548611990 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
548611990 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/09/2025 Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531432985 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531432985 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
531432985 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
577106186 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/10/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
577106186 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
577106186 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591012936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/10/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591012936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
591012936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
524361768 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
524361768 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
524361768 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546880306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546880306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
546880306 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
517810668 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
517810668 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
517810668 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
534034782 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/10/2025 Resolved finding-3634 Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130B Cure Required Refund in the amount of $XXX were due to Transfer Tax increase on the Final CD dated XX/XX/XXXX The Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The COC in file did not list a valid reason for why the fee increased on the Final CD Document Uploaded.  06/16/2025 Valid COC provided; Exception resolved; Valid COC provided; Exception resolved 06/16/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
534034782 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
534034782 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
570525095 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/10/2025 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
570525095 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
570525095 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 06/09/2025 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 06/10/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
561336037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/03/2022 Resolved   Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
561336037 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Loan Review Complete 03/03/2022 Resolved   Credit No Credit Findings The loan meets all applicable credit guidelines.         is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545262125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 10/25/2022 Resolved   Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545262125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 10/25/2022 Resolved   Credit No Credit Findings The loan meets all applicable credit guidelines.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
545262125 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: CDFI Lender Exempt Loan Review Complete 10/25/2022 Resolved   Property No Property Findings Property and valuations related findings were not identified on the loan.         Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A