EX-99.43 44 ex99-43.htm CANOPY EXCEPTION DETAIL REPORT

CSMC 2022-NQM1 Trust ABS-15G

Exhibit 99.43

Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose
434328227 A A A A A A A A Closed FPRO1244 2021-11-17 20:39 2021-11-17 20:40 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.2% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX GA Primary Residence Purchase NA
434328228 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328229 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328231 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328232 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328233 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328234 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328235 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328237 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328249 D A A A A A D A Closed FPRO1244 2021-10-19 19:26 2021-11-17 18:12 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/19/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.69% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.69% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16652941176470587

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX MA Primary Residence Purchase NA
434328250 D A A A A A D A Closed FPRO1244 2021-10-19 19:21 2021-11-18 14:10 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/19/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.73% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.73% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12877434204548896

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.96% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434328251 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
434328253 A A A A A A A A Closed FPRO1244 2021-11-17 20:18 2021-11-17 20:19 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.80 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328255 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
434328256 C A A A C A A A Closed FPRO1244 2021-11-17 19:30 2021-11-17 19:30 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434328257 D A A A A A D A Closed FPRO1244 2021-10-19 16:34 2021-11-18 14:05 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered  - Due Diligence Vendor-10/19/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.004447368421052631

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434328259 D A A A A A D A Closed FPRO1244 2021-10-20 19:05 2021-11-17 19:58 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/20/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.75 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.58 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328261 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328262 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328263 A A A A A A A A Closed FPRO1244 2021-11-17 18:06 2021-11-17 18:07 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.059166666666666666

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX MA Primary Residence Purchase NA
434328264 C A A A C A A A Closed FPRO1244 2021-11-17 18:28 2021-11-17 18:28 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0295

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434328264 C A A A C A A A Closed FCOM1252 2021-10-21 23:51 2021-10-28 19:47 Resolved 1 - Information C A Compliance TRID TRID: Missing Loan Estimate Resolved-Initial LE received. - Due Diligence Vendor-10/28/2021
Ready for Review-Document Uploaded.  - Seller-10/21/2021
Open-Initial Loan Estimate missing dated XXX per Tracking Information - Due Diligence Vendor-10/20/2021		 Ready for Review-Document Uploaded.  - Seller-10/21/2021

 Resolved-Initial LE received. - Due Diligence Vendor-10/28/2021

 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0295

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434328266 A A A A A A A A Closed FPRO1244 2021-11-17 17:55 2021-11-17 17:56 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16174975074775674

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.23% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328267 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434328268 A A A A A A A A Closed FPRO1244 2021-11-17 20:00 2021-11-17 20:02 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2183599001344344

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328269 A A A A A A A A Closed FPRO1244 2021-11-17 19:47 2021-11-17 19:55 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06103896103896104

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328270 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434328271 D A D A A A A A Closed FCRE1161 2021-10-20 22:08 2021-10-21 10:35 Resolved 1 - Information D A Credit Missing Doc - Insurance Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2021

Ready for Review-Document Uploaded.  - Seller-10/20/2021

Open-Missing Flood Certificate Provide Flood certificate as required. - Due Diligence Vendor-10/20/2021

Open-Missing Flood Certificate - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-10/20/2021

 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2021

 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17664596273291924		 XXX.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
434328275 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
434328276 A A A A A A A A Closed FPRO868 2021-12-21 18:05 2022-01-05 04:57 Resolved 1 - Information A A Property Third Party Valuation Desk Review Value(s) Do Not Adhere To Tolerance Criteria Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is XXX and Appraised Value is XXX For a Variance of 0%) - Due Diligence Vendor-01/05/2022
Counter-Appraisal Field Review received is not completed, please provide completed appraisal field review. - Due Diligence Vendor-12/21/2021
Ready for Review-Document Uploaded.  - Seller-12/21/2021
Open-Desk Review Value(s) Do Not Adhere To Tolerance Criteria (Desk Review Value is XXX and Appraised Value is XXX For a Variance of -12.55%) - Due Diligence Vendor-11/17/2021		 Ready for Review-Document Uploaded.  - Seller-12/21/2021

 Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is XXX and Appraised Value is XXX For a Variance of 0%) - Due Diligence Vendor-01/05/2022
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX VA Primary Residence Purchase NA
434328276 A A A A A A A A Closed FPRO1244 2021-11-17 19:48 2021-11-17 19:50 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -12.5%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of -12.5%. - Due Diligence Vendor-11/17/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX VA Primary Residence Purchase NA
434328277 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434328278 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328279 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328280 A A A A A A A A Closed FPRO1244 2021-11-17 19:45 2021-11-17 19:46 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Missing desk review.  Product ordered.   - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.022678951098511695

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328282 A A A A A A A A Closed FPRO1244 2021-11-17 20:05 2021-11-17 20:06 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.82% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328283 A A A A A A A A Closed FPRO1244 2021-11-17 20:10 2021-11-17 20:11 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.32% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328284 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328287 A A A A A A A A Closed FCRE1345 2021-10-28 13:55 2021-12-20 19:50 Resolved 1 - Information A A Credit Missing Doc - Income Borrower 1 Lease Agreements Missing Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/20/2021
Rescinded-Agree with the above- located in original submission and item was not needed. - Due Diligence Vendor-10/28/2021
Ready for Review-Already provided on page 103~106 and security deposit evidence on 70~73. Thank you.
 - Seller-10/28/2021
Open-Borrower 1 Lease Agreements Missing Provide evidence of rental income utilized for departing o/o property XXX for $2805 per month. No documentation was provided to evidence this income. - Due Diligence Vendor-10/20/2021		 Ready for Review-Already provided on page 103~106 and security deposit evidence on 70~73. Thank you.
 - Seller-10/28/2021

 Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/20/2021

 Rescinded-Agree with the above- located in original submission and item was not needed. - Due Diligence Vendor-10/28/2021

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.82% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.82% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.41% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.018615384615384617		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328287 A A A A A A A A Closed FPRO1244 2021-11-18 14:36 2021-11-18 14:37 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open- - Due Diligence Vendor-11/18/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.82% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.82% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.41% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.018615384615384617		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328288 D A A A A A D A Closed FPRO1244 2021-10-12 20:00 2021-11-17 19:10 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-10/12/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1095		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328289 C A A A C A A A Closed FPRO1244 2021-11-18 14:16 2021-11-18 14:17 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open- - Due Diligence Vendor-11/18/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328289 C A A A C A A A Closed FCOM1270 2021-10-22 21:31 2021-10-28 20:19 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) ARM Disclosure Not Provided Within 3 Days of Application Date Resolved-Received confirmation that loan was initially a fixed rate, then on 9/16 it was redisclose to change to an ARM. - Due Diligence Vendor-10/28/2021

Ready for Review-Document Uploaded. The loan was initially a fixed rate, then on 9/16 it was redisclose to change to and ARM.  - Seller-10/22/2021

Open-ARM Disclosure Not Provided Within 3 Days of Application Date Lender to confirm Arm Disclosure and Charm Booklet was provided within 3 days of initial 1003. - Due Diligence Vendor-10/19/2021

Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded. The loan was initially a fixed rate, then on 9/16 it was redisclose to change to and ARM.  - Seller-10/22/2021

 Resolved-Received confirmation that loan was initially a fixed rate, then on 9/16 it was redisclose to change to an ARM. - Due Diligence Vendor-10/28/2021

 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328291 A A A A A A A A Closed FPRO1244 2021-11-17 19:01 2021-11-17 19:01 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.9% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0415		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328292 D A A A A A D A Closed FPRO1244 2021-10-12 18:47 2021-11-17 19:34 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-10/12/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328293 D A A A C A D A Closed finding-3634 2021-12-07 23:13 2021-12-08 18:24 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded.  - Seller-12/07/2021

Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $75.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Title Doc Prep fees was added to the PCCD.  Need evidence fee was cured  - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-12/07/2021

 Resolved-Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.6% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328293 D A A A C A D A Closed finding-3631 2021-12-07 23:13 2021-12-08 18:24 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Resolved, Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded.  - Seller-12/07/2021

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Title Doc Prep fees was added to the PCCD.  Need evidence fee was cured  - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-12/07/2021

 Resolved-Resolved, Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.6% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328293 D A A A C A D A Closed finding-3632 2021-12-07 23:13 2021-12-08 18:24 Resolved 1 - Information A A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-Resolved, Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded.  - Seller-12/07/2021

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Title Doc Prep fees was added to the PCCD.  Need evidence fee was cured  - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-12/07/2021

 Resolved-Resolved, Received PCCD, LOE, tracking, and copy of check. - Due Diligence Vendor-12/08/2021

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.6% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328293 D A A A C A D A Closed FPRO1244 2021-10-12 18:22 2021-11-17 18:24 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-10/12/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.6% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328236 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328238 D A D A A A A A Closed FCRE7756 2021-10-27 16:12 2021-10-27 16:56 Resolved 1 - Information D A Credit Missing Doc - Credit Missing credit report Resolved-Credit Report is Provided - Due Diligence Vendor-10/27/2021

Ready for Review-Document Uploaded. Please see attached Credit Report - Seller-10/27/2021

Open-Credit scores found on pg. 428, but can't verify credit history - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded. Please see attached Credit Report - Seller-10/27/2021

 Resolved-Credit Report is Provided - Due Diligence Vendor-10/27/2021

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 141 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		 XXX.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
434328240 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434328241 A A A A A A A A Closed FPRO1244 2021-11-17 18:55 2021-11-17 18:56 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11183333333333334		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328242 C A C A A A A A Closed FCRE1159 2021-10-22 17:10 2021-10-25 05:43 Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Resolved-Confirmed with Hazard Insurance Evidence dated the same as copy in file- new Effective Date of XXX, which is equal to the Disbursement Date of XXX. - Due Diligence Vendor-10/25/2021
Ready for Review-Document Uploaded.  - Seller-10/22/2021
Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-10/22/2021

 Resolved-Confirmed with Hazard Insurance Evidence dated the same as copy in file- new Effective Date of XXX, which is equal to the Disbursement Date of XXX. - Due Diligence Vendor-10/25/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 XXX.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328243 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434328248 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434328252 D A D A D A D A Closed FPRO1244 2021-10-20 20:15 2021-11-17 18:52 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/20/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328252 D A D A D A D A Closed FCRE1180 2021-10-21 23:44 2021-10-22 11:39 Resolved 1 - Information D A Credit Missing Doc - Insurance HO-6 Insurance Policy is Missing Resolved-Condo Master Insurance Policy states building coverage includes limited walls-in replacement cost, which is sufficient per lender guidelines- no separate policy was required. - Due Diligence Vendor-10/22/2021

Ready for Review-Document Uploaded.  - Seller-10/21/2021

Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-10/21/2021

 Resolved-Condo Master Insurance Policy states building coverage includes limited walls-in replacement cost, which is sufficient per lender guidelines- no separate policy was required. - Due Diligence Vendor-10/22/2021

 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328252 D A D A D A D A Closed FCOM1220 2021-10-21 23:42 2021-10-22 11:36 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Deed of Trust is Missing Resolved-The Deed of Trust has been Provided - Due Diligence Vendor-10/22/2021

Ready for Review-Document Uploaded.  - Seller-10/21/2021

Open-The Deed of Trust is Missing No copy of Deed of Trust was provided  - Due Diligence Vendor-10/18/2021		 Ready for Review-Document Uploaded.  - Seller-10/21/2021

 Resolved-The Deed of Trust has been Provided - Due Diligence Vendor-10/22/2021

 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328254 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328258 A A A A A A A A Closed FPRO1244 2021-11-17 17:49 2021-11-17 17:50 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03172447845944945

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.68% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328260 D A A A A A D A Closed FPRO1244 2021-10-20 18:15 2021-11-17 18:19 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing.  Desk review ordered - Due Diligence Vendor-10/20/2021		 Resolved-Received desk review showing value of XX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.009743589743589744

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.9% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328273 D A A A C A D A Closed FPRO1244 2021-10-22 18:02 2021-11-17 18:22 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/22/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.2% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.2% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434328273 D A A A C A D A Closed FCOM7353 2021-11-03 17:54 2021-11-10 17:46 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Clarification of Application Date Resolved-Proof of originator's signature on 1003 application received. - Due Diligence Vendor-11/10/2021

Ready for Review-Document Uploaded.  - Seller-11/03/2021

Open-MIssing originator's signature on 1003 application, originator's execution of the 1003 is required  - Due Diligence Vendor-10/20/2021		 Ready for Review-Document Uploaded.  - Seller-11/03/2021

 Resolved-Proof of originator's signature on 1003 application received. - Due Diligence Vendor-11/10/2021

 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.2% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.2% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434328274 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
434328286 D A D A A A A A Closed FCRE1161 2021-10-21 22:55 2021-10-22 11:47 Resolved 1 - Information D A Credit Missing Doc - Insurance Flood Certificate Missing Resolved-Flood Certificate provided. - Due Diligence Vendor-10/22/2021

Ready for Review-Document Uploaded.  - Seller-10/21/2021

Open-Missing Flood Certificate - Due Diligence Vendor-10/19/2021		 Ready for Review-Document Uploaded.  - Seller-10/21/2021

 Resolved-Flood Certificate provided. - Due Diligence Vendor-10/22/2021

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Second Home Purchase NA
434473472 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434473473 D A A A C A D A Closed FPRO1244 2021-11-01 15:58 2021-11-17 17:44 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered  - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.1% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23 Years

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

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.1% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.73% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473474 D A A A A A D A Closed FPRO1244 2021-10-29 19:46 2021-11-18 13:53 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
434473475 D A A A A A D A Closed FPRO1244 2021-10-29 19:34 2021-11-18 13:59 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.45% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0450321440541117

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434473476 D A A A A A D A Closed FPRO1244 2021-11-01 15:53 2021-11-18 14:19 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.71% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.32% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.32% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473477 D A A A A A D A Closed FPRO1244 2021-10-29 19:23 2021-11-17 20:15 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21917606772966955

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434473478 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473479 D A A A A A D A Closed FPRO1244 2021-11-03 14:08 2021-11-17 18:42 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17543555302222993

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

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

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.6% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473480 D A D A A A D A Closed FPRO1244 2021-10-29 20:55 2021-11-19 20:08 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years

Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.36% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473480 D A D A A A D A Closed FCRE1201 2021-11-03 23:41 2021-11-04 12:41 Resolved 1 - Information D A Credit Missing Doc - Credit Third Party Fraud Report not Provided Resolved-Report in file and clear. Cleared condition - Due Diligence Vendor-11/04/2021

Ready for Review-Please see pages 98-129 of loan package - Seller-11/03/2021

Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/27/2021		 Ready for Review-Please see pages 98-129 of loan package - Seller-11/03/2021

 Resolved-Report in file and clear. Cleared condition - Due Diligence Vendor-11/04/2021

 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years

Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.36% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473481 D A D A A A D A Closed FPRO1244 2021-11-01 15:20 2021-11-17 17:19 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.015911949685534593

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.05% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX IL Primary Residence Purchase NA
434473481 D A D A A A D A Closed FCRE1201 2021-11-03 18:28 2021-11-04 11:32 Resolved 1 - Information D A Credit Missing Doc - Credit Third Party Fraud Report not Provided Resolved-Fraud report provided and cleared. - Due Diligence Vendor-11/04/2021

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/04/2021

Ready for Review-Document Uploaded.  - Seller-11/03/2021

Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/27/2021		 Ready for Review-Document Uploaded.  - Seller-11/03/2021

 Resolved-Fraud report provided and cleared. - Due Diligence Vendor-11/04/2021

 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/04/2021

 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.015911949685534593

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.05% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX IL Primary Residence Purchase NA
434473482 D A A A A A D A Closed FPRO1244 2021-10-29 20:24 2021-11-17 18:01 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434473483 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434473484 D A A A A A D A Closed FPRO1244 2021-10-29 21:24 2021-11-17 17:40 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12842105263157894

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473485 D A A A C A D A Closed FPRO1244 2021-11-01 20:04 2021-11-17 18:38 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473485 D A A A C A D A Closed finding-651 2021-11-01 19:11 2021-11-16 19:14 Resolved 1 - Information C A Compliance Points & Fees TILA Finance Charge Test Resolved-Client provided final CD from closing.  No further issues.   - Due Diligence Vendor-11/16/2021
Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/01/2021
Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. ***According to the itemization of prepaid finance charge list on pg 759 dated 10-12-21 the fees included on the TILA test match what the lender has chosen. It appears that as of the Post Close CD several fees were removed or decreased but the calculations are now understated - Due Diligence Vendor-11/01/2021		 Resolved-Client provided final CD from closing.  No further issues.   - Due Diligence Vendor-11/16/2021
 Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/01/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473485 D A A A C A D A Closed finding-3732 2021-11-01 19:11 2021-11-16 19:14 Resolved 1 - Information C A Compliance TRID TRID Total of Payments Test Resolved-Client provided final CD from closing.  No further issues.   - Due Diligence Vendor-11/16/2021
Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/01/2021
Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than $100. ***According to the itemization of prepaid finance charge list on pg 759 dated 10-12-21 the fees included on the TILA test match what the lender has chosen. It appears that as of the Post Close CD several fees were removed or decreased but the calculations are now understated - Due Diligence Vendor-11/01/2021		 Resolved-Client provided final CD from closing.  No further issues.   - Due Diligence Vendor-11/16/2021
 Resolved-This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/01/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473485 D A A A C A D A Closed FCOM1544 2021-11-16 17:48 2021-11-16 19:09 Resolved 1 - Information A A Compliance Missing Doc - CD TRID: Missing Final Closing Disclosure Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/16/2021

Ready for Review-Document Uploaded. final cD - Seller-11/16/2021

Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-10/29/2021		 Ready for Review-Document Uploaded. final cD - Seller-11/16/2021

 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/16/2021

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473486 D A A A D A D A Closed FPRO1244 2021-11-03 14:45 2021-11-18 14:22 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.53% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.53% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434473486 D A A A D A D A Closed FCOM1274 2021-11-03 18:12 2021-11-04 17:29 Resolved 1 - Information D A Compliance Missing Doc - Federal Disclosure Escrow Waiver is Missing Resolved-Escrow Waiver is Present or Not Applicable.  Escrow waiver received. - Due Diligence Vendor-11/04/2021

Ready for Review-Document Uploaded.  - Seller-11/03/2021

Open-Per the Final CD the Escrows have been waived.  Not copy of Escrow Waiver - Due Diligence Vendor-11/01/2021		 Ready for Review-Document Uploaded.  - Seller-11/03/2021

 Resolved-Escrow Waiver is Present or Not Applicable.  Escrow waiver received. - Due Diligence Vendor-11/04/2021

 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.53% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.53% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434473487 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Primary Residence Purchase NA
434473488 D A A A A A D A Closed FPRO1244 2021-10-29 19:16 2021-11-17 19:22 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.26% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0096875

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Primary Residence Purchase NA
434473489 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NC Investment Purchase NA
434473490 D A A A A A D A Closed FPRO1244 2021-10-29 19:10 2021-11-17 18:35 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/29/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17933085501858737

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.57% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.93% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473491 D A A A A A D A Closed FPRO1244 2021-11-01 15:05 2021-11-17 18:44 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23756637168141592

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Desk review missing. Desk review  ordered Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434473492 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434473493 D A A A A A D A Closed FPRO1244 2021-11-03 20:56 2021-11-18 13:28 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered. - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

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

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX MD Primary Residence Purchase NA
434473494 D A A A A A D A Closed FPRO1244 2021-10-25 20:52 2021-11-17 18:31 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-10/25/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years

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

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1576

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.44% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434473495 D A A A A A D A Closed FPRO1244 2021-11-03 17:39 2021-12-06 19:54 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.032324621733149934

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473496 D A A A A A D A Closed FPRO1244 2021-11-03 14:36 2021-11-17 17:36 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -6.5%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of -6.5%. - Due Diligence Vendor-11/17/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16 Years see 1003 page 6

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points The Guideline Minimum 680, Qualifying FICO Of 750 is Greater Than Guideline Minimum

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Calculated DTI Of 12.45% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More The Guideline Maximum 49% Calculated DTI Of 12.45% Is Less Than Guideline Maximum		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434473497 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434473498 D A A A A A D A Closed FPRO1244 2021-11-03 14:22 2021-11-17 18:17 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.46% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16603712671509283

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473500 D A A A A A D A Closed FPRO1244 2021-11-01 17:22 2021-11-17 17:31 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/01/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473501 D A A A A A D A Closed FPRO1244 2021-11-03 14:16 2021-11-17 17:28 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.20 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434473502 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524053 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
434524054 A A A A A A A A Closed FPRO1244 2021-11-15 12:14 2021-11-18 13:41 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-3rd party valuation product not provided.  Product ordered.   - Due Diligence Vendor-11/15/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More

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

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02625

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.29% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX SC Primary Residence Purchase NA
434524055 D A A A A A D A Closed FPRO1244 2021-11-05 15:49 2021-11-19 20:05 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/05/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17897610921501705		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
434524056 D A A A A A D A Closed FPRO1244 2021-11-10 17:47 2021-11-17 16:50 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-11/17/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/10/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-11/17/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.97% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04196850393700787		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Primary Residence Purchase NA
434524057 D A A A A A D A Closed FPRO1244 2021-11-09 17:57 2021-11-19 20:03 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434524058 D B A A B B D A Closed FPRO1244 2021-11-08 20:03 2021-11-19 19:53 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered  - Due Diligence Vendor-11/08/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Investment Refinance Cash Out - Other
434524058 D B A A B B D A Closed FCOM8844 2021-11-08 20:11 2021-11-08 20:11 Acknowledged 2 - Non-Material B B Compliance Missing Doc Missing Evidence of Business Purpose use of Proceeds Acknowledged- - Due Diligence Vendor-11/08/2021 Acknowledged- - Due Diligence Vendor-11/08/2021

 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Investment Refinance Cash Out - Other
434524059 D A A A A A D A Closed FPRO1244 2021-11-10 14:34 2021-11-19 19:50 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/10/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.26% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.33% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.26% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434524061 D A A A C A D A Closed FPRO1244 2021-11-13 01:31 2021-11-19 19:45 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Counter-Response for this condition was for another condition.  Re-opening condition.   - Due Diligence Vendor-11/15/2021
Ready for Review-This is a non-QM HPML loan. It is not a High Cost Mortgage loan. It is not a Safe Harbor QM loan or a QM loan of any kind.  The conditions below are not valid.  Please clear.  Thanks - Seller-11/13/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/10/2021		 Ready for Review-This is a non-QM HPML loan. It is not a High Cost Mortgage loan. It is not a Safe Harbor QM loan or a QM loan of any kind.  The conditions below are not valid.  Please clear.  Thanks - Seller-11/13/2021

 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.38% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434524062 D A A A A A D A Closed FPRO1244 2021-11-08 21:42 2021-11-19 19:42 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -4.1%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/08/2021		 Resolved-Received desk review showing value of XXX and variance of -4.1%. - Due Diligence Vendor-11/19/2021
 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.021872509960159364

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Home Improvement/Reno
434524063 D A A A A A D A Closed FPRO1244 2021-11-10 12:15 2021-11-19 19:39 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered.  - Due Diligence Vendor-11/10/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.98% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.50 Years		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524064 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
434524065 D A A A A A D A Closed FPRO1244 2021-11-09 14:47 2021-12-06 19:48 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.032976744186046514

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524066 D A A A A A D A Closed FPRO1244 2021-11-11 19:16 2021-11-19 19:36 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/11/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

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

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.52% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524067 D A A A A A D A Closed FPRO1244 2021-11-09 18:34 2021-11-18 14:14 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.3% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

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

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.3% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1195369406867846		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434524069 D A A A A A D A Closed FPRO1244 2021-11-05 17:44 2021-11-19 19:31 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/05/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.98% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524070 D A A A A A D A Closed FPRO1244 2021-11-08 14:12 2021-11-18 13:23 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/08/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434524071 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
434524072 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434524074 D A A A A A D A Closed FPRO1244 2021-11-04 13:51 2021-11-19 19:15 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -2.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/04/2021		 Resolved-Received desk review showing value of XXX and variance of -2.0%. - Due Diligence Vendor-11/19/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.01% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.007738515901060071

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.50 Years

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

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.43% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.43% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524076 D A A A A A D A Closed FPRO1244 2021-11-03 12:18 2021-11-19 19:08 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review not provided.  Third party product ordered.   - Due Diligence Vendor-11/03/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09917241379310344

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524077 D A A A A A D A Closed FCOM7201 2021-11-01 12:45 2021-12-15 02:20 Resolved 1 - Information A A Compliance NMLS Loan Originator NMLS Status is Unknown Resolved-Loan Originator NMLS Status is Known - Due Diligence Vendor-12/15/2021

Rescinded-Loan Originator NMLS Status is Unknown active - Due Diligence Vendor-11/01/2021		 Resolved-Loan Originator NMLS Status is Known - Due Diligence Vendor-12/15/2021

 Rescinded-Loan Originator NMLS Status is Unknown active - Due Diligence Vendor-11/01/2021

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524077 D A A A A A D A Closed FPRO1244 2021-11-05 13:23 2021-11-18 13:56 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing, Desk review ordered - Due Diligence Vendor-11/05/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More		 ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524078 D A A A A A D A Closed FPRO1244 2021-11-05 13:20 2021-11-19 19:58 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/05/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

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

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0025384615384615385

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.01% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
434524079 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524080 D A A A A A D A Closed FPRO1244 2021-11-09 20:42 2021-11-19 16:15 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/19/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06407407407407407

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.78% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524081 D A A A C A D A Closed FPRO868 2021-11-19 16:14 2021-12-14 15:19 Resolved 1 - Information A A Property Third Party Valuation Desk Review Value(s) Do Not Adhere To Tolerance Criteria Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is XXX and Appraised Value is XXX For a Variance of 0%) - Due Diligence Vendor-12/14/2021
Open-Desk review variance of -11.5% does is greater than -10.0%.   - Due Diligence Vendor-11/19/2021		 Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is XXX and Appraised Value is XXX For a Variance of 0%) - Due Diligence Vendor-12/14/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05794285714285714

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524081 D A A A C A D A Closed finding-3632 2021-11-23 23:19 2021-12-06 22:57 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
Counter-null - Due Diligence Vendor-12/01/2021
Ready for Review-COC dated XXX for Post Closing CD dated the same is not valid due to being issued post closing. The reason provided was for an event that transpired prior to closing and should have been disclosed prior to closing. - Due Diligence Vendor-12/01/2021
Ready for Review-Document Uploaded. consummation CD and PCCD uploaded - Seller-11/23/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *** COC for Post Close CD dated XXX increase of Appraisal by 375 will not be considered valid-as it appears that the appraisal invoice on pg 237 dated 9-22-21 included the complexity fee - Due Diligence Vendor-11/09/2021		 Ready for Review-COC dated 10/20/21 for Post Closing CD dated the same is not valid due to being issued post closing. The reason provided was for an event that transpired prior to closing and should have been disclosed prior to closing. - Due Diligence Vendor-12/01/2021

 Ready for Review-Document Uploaded. consummation CD and PCCD uploaded - Seller-11/23/2021

 Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05794285714285714

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524081 D A A A C A D A Closed finding-3634 2021-11-23 23:14 2021-12-06 22:57 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
Counter-COC dated XXX for Post Closing CD dated the same is not valid due to being issued post closing. The reason provided was for an event that transpired prior to closing and should have been disclosed prior to closing. - Due Diligence Vendor-12/01/2021
Ready for Review-Document Uploaded. original appraisal invoice date is 9/22/21.  The complexity fee was on 10/13/21.  The COC was dated XXX, this should be valid. - Seller-11/23/2021
Counter-While this loan is non-QM and certain aspects of non-QM are excluded from testing, general tolerance to fee testing are not as they relate to how the loan fees were initially disclosed to the borrower to establish the baseline and how the fees finished at closing.   - Due Diligence Vendor-11/18/2021
Ready for Review-This is a non QM loan, it's exempt from the point and fee test tolerance.  Thanks - Seller-11/13/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $375.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *** COC for Post Close CD dated XXX increase of Appraisal by 375 will not be considered valid-as it appears that the appraisal invoice on pg 237 dated 9-22-21 included the complexity fee - Due Diligence Vendor-11/09/2021		 Ready for Review-Document Uploaded. original appraisal invoice date is 9/22/21.  The complexity fee was on 10/13/21.  The COC was dated XXX, this should be valid. - Seller-11/23/2021
 Ready for Review-This is a non QM loan, it's exempt from the point and fee test tolerance.  Thanks - Seller-11/13/2021
 Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05794285714285714

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524081 D A A A C A D A Closed finding-3631 2021-11-23 22:58 2021-12-06 22:56 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
Counter-COC dated XXX for Post Closing CD dated the same is not valid due to being issued post closing. The reason provided was for an event that transpired prior to closing and should have been disclosed prior to closing. - Due Diligence Vendor-12/01/2021
Ready for Review-Document Uploaded. The appraisal invoice 9/22/21 was the original invoice.  Please see section payment information showed the dated borrower pay was 10/18/21 and COC was disclosed on XXX.  COC is valid.
Thanks - Seller-11/23/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *** COC for Post Close CD dated XXX increase of Appraisal by 375 will not be considered valid-as it appears that the appraisal invoice on pg 237 dated 9-22-21 included the complexity fee - Due Diligence Vendor-11/09/2021		 Ready for Review-Document Uploaded. The appraisal invoice 9/22/21 was the original invoice.  Please see section payment information showed the dated borrower pay was 10/18/21 and COC was disclosed on XXX.  COC is valid.
Thanks - Seller-11/23/2021
 Resolved-COC dated XXX was provided for XXX consummation CD.   - Due Diligence Vendor-12/06/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05794285714285714

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524081 D A A A C A D A Closed FPRO1244 2021-11-09 21:17 2021-11-19 16:14 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -11.4%.   - Due Diligence Vendor-11/19/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of -11.4%.   - Due Diligence Vendor-11/19/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.02% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05794285714285714

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524082 D A A A A A D A Closed FPRO1244 2021-11-11 19:41 2021-12-07 22:21 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of -2.69%.   - Due Diligence Vendor-12/07/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/11/2021		 Resolved-Received desk review showing value of XXX and variance of -2.69%.   - Due Diligence Vendor-12/07/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.049423173382377526

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.51% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524083 D A A A A A D A Closed FPRO1244 2021-11-08 14:06 2021-11-18 13:45 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/08/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

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

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0002		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524084 D A A A A A D A Closed FPRO1244 2021-11-11 20:08 2021-12-06 19:22 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/11/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
434524085 D A A A A A D A Closed FPRO1244 2021-11-08 13:58 2021-11-18 13:36 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/08/2021		 Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/18/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.31% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

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

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.68% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.31% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434524086 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
434524087 D A C A A A D A Closed FPRO1244 2021-11-09 14:19 2021-12-06 19:46 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0134

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524087 D A C A A A D A Closed FCRE1159 2021-11-11 20:24 2021-11-12 11:45 Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Resolved-Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX as confirmed by Post-Closing CD. - Due Diligence Vendor-11/12/2021
Ready for Review-Document Uploaded.  - Seller-11/11/2021
Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-11/08/2021		 Ready for Review-Document Uploaded.  - Seller-11/11/2021

 Resolved-Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX as confirmed by Post-Closing CD. - Due Diligence Vendor-11/12/2021
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0134

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.31% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years		 XXX.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524088 A A A A A A A A Closed FPRO1244 2021-12-06 19:44 2021-12-06 19:44 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Missing CDA - Due Diligence Vendor-12/06/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
434524089 D A A A A A D A Closed FPRO1244 2021-11-09 14:31 2021-12-13 16:58 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/13/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/13/2021
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

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

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15258649093904447

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434524090 D A A A A A D A Closed FPRO1244 2021-11-11 20:29 2021-12-06 19:27 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/11/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.55% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2324561403508772		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
434524091 D A A A A A D A Closed FPRO1244 2021-11-09 17:04 2021-12-06 19:42 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Primary Residence Purchase NA
434524092 D A A A A A D A Closed FPRO1244 2021-11-09 14:40 2021-12-06 19:38 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/09/2021		 Resolved-Received desk review showing value of XXX and variance of 0%.   - Due Diligence Vendor-12/06/2021
 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.45% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19 Years

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.89% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other