EX-99.10 11 ex99-10.htm CANOPY EXCEPTION DETAIL REPORT

 

CSMC 2022-NQM3 Trust ABS-15G

 

Exhibit 99.10

 

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
434328230     D A A A D A A A Closed FCOM1228 2021-10-19 20:53 2021-10-20 12:35 Resolved 1 - Information D A Compliance Missing Doc - Closing Package Other Rider is Missing Resolved-Prepayment Penalty Rider received - Due Diligence Vendor-10/20/2021

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

Open-Prepayment Rider document not found in file - Due Diligence Vendor-10/11/2021		 Ready for Review-Document Uploaded.  - Seller-10/20/2021

 Resolved-Prepayment Penalty Rider received - Due Diligence Vendor-10/20/2021

 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101 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% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More		   1100204923 Prepayment Rider Document.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
434328290     C B C B A A A A Closed FCRE1159 2022-01-20 15:48 2022-01-21 11:24 Acknowledged 2 - Non-Material C B Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Acknowledged-Lender certification provided affirming that policy effective date is after consummation of transaction, however attests to the fact that no claims against the property were made within this timeframe. - Due Diligence Vendor-01/21/2022
Ready for Review-Document Uploaded. Please see certification letter.  - Seller-01/20/2022
Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX- Due Diligence Vendor-10/18/2021		 Ready for Review-Document Uploaded. Please see certification letter.  - Seller-01/20/2022

 Acknowledged-Lender certification provided affirming that policy effective date is after consummation of transaction, however attests to the fact that no claims against the property were made within this timeframe. - Due Diligence Vendor-01/21/2022

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% 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 0.00951219512195122

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 6 By Six (6) Or More Months

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 720 By Twenty (20) or More Points		   2000057096_Hazard Letter.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
434328290     C B C B A A A A Closed FPRO1244 2021-11-17 14:07 2021-11-17 14:07 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 XXX. - Due Diligence Vendor-11/17/2021
Open- - Due Diligence Vendor-11/17/2021		   Resolved-Received desk review showing value of XXX and variance of XXX. - Due Diligence Vendor-11/17/2021
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.95% 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 0.00951219512195122

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 6 By Six (6) Or More Months

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 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
434328247     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
434524075     D A A A C A D A Closed FPRO1244 2021-11-04 09:41 2021-11-18 08:18 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 XXX. - Due Diligence Vendor-11/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/04/2021		   Resolved-Received desk review showing value of XXX and variance of XXX. - Due Diligence Vendor-11/18/2021
 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 745 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 15.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19 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 Purchase NA
434524094     D A A A A A D A Closed FPRO1244 2021-11-05 11:32 2021-12-06 14:24 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 XXX.   - Due Diligence Vendor-12/06/2021
Open-Desk review missing. Desk review ordered. - Due Diligence Vendor-11/05/2021		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-12/06/2021
 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 0.1628246205733558

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

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122 Are Greater Than The Guideline Minimum Of 3 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 - 8.50 Years

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.96% 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

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 FL Second Home Purchase NA
435663334     D A A A B A D A Closed FPRO1244 2021-12-27 09:05 2022-01-20 15:57 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 XXX. - Due Diligence Vendor-01/20/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/27/2021		   Resolved-Received desk review showing value of XXX and variance of XXX. - Due Diligence Vendor-01/20/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
435663334     D A A A B A D A Closed FCOM1271 2021-12-30 18:43 2022-01-20 15:00 Resolved 1 - Information A A Compliance Missing Doc - Federal Disclosure CHARM Booklet is Missing Resolved-Received evidence CHARM booklet sent.   - Due Diligence Vendor-01/20/2022
Counter-Received Acknowledgement of Receipts of Information Booklets as proof of delivery of the CHARM Booklet that was electronically executed by the borrower on XXX.  However, the Initial LE, revised LEs, and initial CD indicate the product was a fixed rate and did not change to an ARM product until the Revised CD was issued on XXX.  We need proof that the ARM Disclosure and the CHARM Booklet were issued within 3 days of when the product changed to ARM. - Due Diligence Vendor-01/04/2022
Counter-Revised Closing Disclosure issued XXX shows product changed to adjustable rate, missing proof CHARM Booklet and ARM disclosure were provided within the 3 business days of the disclosure
 - Due Diligence Vendor-01/03/2022
Ready for Review-Please see page 304. Thank you. - Seller-12/30/2021
Open-CHARM Booklet is Missing - Due Diligence Vendor-12/28/2021		 Ready for Review-Please see page 304. Thank you. - Seller-12/30/2021

 Resolved-Received evidence CHARM booklet sent.   - Due Diligence Vendor-01/20/2022

       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
435663334     D A A A B A D A Closed FCOM1270 2022-01-06 15:05 2022-01-07 10:39 Resolved 1 - Information A A Compliance Disclosures (Federal, State, and Data Dependent) ARM Disclosure Not Provided Within 3 Days of Application Date Resolved-Received evidence of CHARM and ARM disclosure corresponding to the Revised CD on XXX - Due Diligence Vendor-01/07/2022
Ready for Review-Document Uploaded.  - Seller-01/06/2022
Counter-Received Acknowledgement of Receipts of Information Booklets as proof of delivery of the CHARM Booklet that was electronically executed by the borrower on XXX.  However, the Initial LE, revised LEs, and initial CD indicate the product was a fixed rate and did not change to an ARM product until the Revised CD was issued on XXX.  We need proof that the ARM Disclosure and the CHARM Booklet were issued within 3 days of when the product changed to ARM. - Due Diligence Vendor-01/04/2022
Ready for Review-Document Uploaded.  - Seller-01/03/2022
Counter-Revised Closing Disclosure issued XXX shows product changed to adjustable rate, missing proof CHARM Booklet and ARM disclosure were provided within the 3 business days of the disclosure
 - Due Diligence Vendor-01/03/2022
Ready for Review-Document Uploaded.  - Seller-12/30/2021
Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/28/2021		 Ready for Review-Document Uploaded.  - Seller-01/06/2022

 Ready for Review-Document Uploaded.  - Seller-01/03/2022

 Ready for Review-Document Uploaded.  - Seller-12/30/2021

 Resolved-Received evidence of CHARM and ARM disclosure corresponding to the Revised CD on XXX - Due Diligence Vendor-01/07/2022
     2000061328 Dergrigorian Arm.pdf

2000061328 Dergrigorian CHARM Booklet.pdf

2000061328 Pre-Closing_Documents_2022_01_06_61d748fbf22bf.pdf		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
435789609     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NC Investment Purchase NA
435789614     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436049894     D A A A A A D A Closed FPRO1244 2022-02-01 10:09 2022-02-11 22:34 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or  XXX variance. - Due Diligence Vendor-02/12/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/01/2022
Open-3rd Party product missing from loan file; Order placed for 3rd party product.  - Due Diligence Vendor-02/01/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. - Due Diligence Vendor-02/12/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Primary Residence Purchase NA
436049899     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049898     D A C A A A D A Closed FCRE1143 2022-02-17 19:39 2022-02-21 10:07 Resolved 1 - Information C A Credit Eligibility HOA is in control of builder Resolved-Corrected 1073 provided- item resolved. - Due Diligence Vendor-02/21/2022
Ready for Review-Document Uploaded. XXX - Uploaded. - Seller-02/18/2022
Counter-HOA Cert executed by condo representative indicates that project has been turned over from the builder, however 1073 in file states the developer is still in control- please provide corrected appraisal. - Due Diligence Vendor-02/11/2022
Ready for Review-Please clarify the condition and what document is needed.  Attached is the HOA questionnaire and HOA statment - Seller-02/11/2022
Open- - Due Diligence Vendor-02/02/2022		 Ready for Review-Document Uploaded. 02/17 - Uploaded. - Seller-02/18/2022

 Ready for Review-Please clarify the condition and what document is needed.  Attached is the HOA questionnaire and HOA statment - Seller-02/11/2022

 Resolved-Corrected XXX provided- item resolved. - Due Diligence Vendor-02/21/2022
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points   SSR Freddie_3.pdf

Appraisal - updated.pdf

SSR Fannie_3.pdf		 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
436049898     D A C A A A D A Closed FPRO1244 2022-02-01 11:02 2022-02-11 22:35 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. - Due Diligence Vendor-02/12/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/01/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. - Due Diligence Vendor-02/12/2022
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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
436049911     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 TX Primary Residence Purchase NA
436049939     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 Refinance Cash Out - Debt Consolidation
436049920     D A C A A A D A Closed FCRE1148 2022-02-11 19:38 2022-02-14 12:26 Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien Loan Amount Resolved-Final policy provided confirming all details are correct. - Due Diligence Vendor-02/14/2022
Ready for Review-Document Uploaded. Subject Loan Amount is XXX, not XXX - Seller-02/12/2022
Open-Title Form Type is Final Policy and Title Coverage Amount of XXX is Less than Total Amount of Subject Lien Title Coverage is Less than Subject Lien Loan Amount TITLE COVERAGE XXX LESS THAN LOAN AMOUNT XXX,  - Due Diligence Vendor-01/31/2022		 Ready for Review-Document Uploaded. Subject Loan Amount is XXX not XXX - Seller-02/12/2022
 Resolved-Final policy provided confirming all details are correct. - Due Diligence Vendor-02/14/2022

     2000062783 Yeranosyan_Final Title Policy.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
436049920     D A C A A A D A Closed FPRO1244 2022-01-31 12:28 2022-02-11 22:40 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. - Due Diligence Vendor-02/12/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/01/2022
Open- - Due Diligence Vendor-01/31/2022		   Resolved-Desk review provided with a value of XXX or XXX  variance. - Due Diligence Vendor-02/12/2022
       ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
436049910     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Refinance Cash Out - Other
436049937     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049935     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049924     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049907     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
436049940     D A A A A A D A Closed FPRO1243 2022-02-14 15:15 2022-02-15 07:59 Resolved 1 - Information D A Property Missing Doc - Appraisal Second Appraisal is Missing Resolved-CDA provided affirming value of XXX as per original appraisal. - Due Diligence Vendor-02/15/2022
Ready for Review-Document Uploaded.  - Seller-02/14/2022
Open-Per guidelines a CDA/Field review is required. - Due Diligence Vendor-02/01/2022		 Ready for Review-Document Uploaded.  - Seller-02/14/2022

 Resolved-CDA provided affirming value of XXX as per original appraisal. - Due Diligence Vendor-02/15/2022
     2000063674 Gong Appraisal - CDA.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049917     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049923     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
436049931     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049938     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049921     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436049933     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436049922     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CO Investment Purchase NA
436049906     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049934     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436049929     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436049915     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
436049916     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
436049925     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
436093377     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
436093378     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436093379     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX IL Investment Purchase NA
436093380     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CO Investment Purchase NA
436093381     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436093382     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093383     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
436093384     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
436093385     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance No Cash Out - Borrower Initiated
436093386     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093387     A A A A A A A A Closed FPRO1244 2022-02-15 17:30 2022-02-22 12:18 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436093388     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
436093389     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093390     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
436093391     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093392     A A A A A A A A Closed FPRO1244 2022-02-15 17:30 2022-02-22 12:22 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX FL Second Home Purchase NA
436093393     D A A A A A D A Closed FPRO1244 2022-02-14 09:27 2022-02-22 12:25 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open-3rd party product missing from loan file.  - Due Diligence Vendor-02/14/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 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 55.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.37% Is Below The Guideline Maximum Of 80% 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 Cash Out - Other
436093394     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093395     A A A A A A A A Closed FPRO1244 2022-02-15 17:30 2022-02-22 12:32 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.71% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.67% 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 33 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 45.71% Is Below the Guideline Maximum Of 65% 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 Cash Out - Other
436093396     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
436093397     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX LA Investment Purchase NA
436093398     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093399     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX SC Investment Purchase NA
436093400     D A A A B A D A Closed FPRO1244 2022-02-15 12:03 2022-02-22 12:44 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open- - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.94% 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 760 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 44 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
436093401     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093402     D A C A A A D A Closed FCRE1455 2022-02-16 00:38 2022-03-21 12:49 Resolved 1 - Information C A Credit Assets Asset 1 Less Than 2 Months Verified Resolved-Asset 1 Verified Sufficiently - Due Diligence Vendor-03/21/2022
Resolved-Second month's statement now in evidence for this account- item resolved. - Due Diligence Vendor-02/16/2022
Ready for Review-Document Uploaded. Dec-Jan stmt attached. Nov-Dec already in the package. - Seller-02/16/2022
Open-Asset 1 Less Than XXX Months Verified Only 1 month bank statement provided (pg. XXX of loan file). AmWest Advantage Program guidelines require XXX months bank statements.  - Due Diligence Vendor-02/10/2022		 Ready for Review-Document Uploaded. Dec-Jan stmt attached. Nov-Dec already in the package. - Seller-02/16/2022

 Resolved-Asset XXX Verified Sufficiently - Due Diligence Vendor-03/21/2022
 Resolved-Second month's statement now in evidence for this account- item resolved. - Due Diligence Vendor-02/16/2022
     BOA 3683-0835 - Jan.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093402     D A C A A A D A Closed FCRE1456 2022-02-16 00:39 2022-03-21 12:49 Resolved 1 - Information C A Credit Assets Asset 2 Less Than 2 Months Verified Resolved-Asset XXX Verified Sufficiently Or Not Applicable - Due Diligence Vendor-03/21/2022
Resolved-Second month's statement now in evidence for this account- item resolved. - Due Diligence Vendor-02/16/2022
Ready for Review-Document Uploaded. Dec-Jan stmt attached. Nov-Dec already in the package. - Seller-02/16/2022
Open-Asset XXX Less Than XXX Months Verified Only XXX month bank statement provided (pg. XXX of loan file). AmWest Advantage Program guidelines require XXX months bank statements.  - Due Diligence Vendor-02/10/2022		 Ready for Review-Document Uploaded. Dec-Jan stmt attached. Nov-Dec already in the package. - Seller-02/16/2022

 Resolved-Asset XXX Verified Sufficiently Or Not Applicable - Due Diligence Vendor-03/21/2022
 Resolved-Second month's statement now in evidence for this account- item resolved. - Due Diligence Vendor-02/16/2022
     BOA 3683-0835 - Jan.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093402     D A C A A A D A Closed FPRO1244 2022-02-14 12:43 2022-02-22 12:51 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open-3rd party product missing from loan file.  - Due Diligence Vendor-02/14/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093403     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
436093404     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093405     D A D A A A A A Closed FCRE1161 2022-02-22 15:08 2022-02-22 19:28 Resolved 1 - Information D A Credit Missing Doc - Insurance Flood Certificate Missing Resolved-Flood certification provided at resubmission. - Due Diligence Vendor-02/23/2022

Ready for Review-Document Uploaded.  - Seller-02/22/2022

Open-Missing Flood Certificate - Due Diligence Vendor-02/11/2022		 Ready for Review-Document Uploaded.  - Seller-02/22/2022

 Resolved-Flood certification provided at resubmission. - Due Diligence Vendor-02/23/2022

     2000063488 Flood Cert.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093406     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
436093407     D A A A A A D A Closed FPRO1244 2022-02-10 17:08 2022-02-22 12:54 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Acknowledged-Investor guidelines for Advantage program state only one appraisal is required for loan amounts less than XXX.  Further, FNMA SSR provided supporting value with a Risk Score of XXX. - Due Diligence Vendor-02/17/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open- - Due Diligence Vendor-02/10/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 Acknowledged-Investor guidelines for Advantage program state only one appraisal is required for loan amounts less than XXX.  Further, FNMA SSR provided supporting value with a Risk Score of XXX. - Due Diligence Vendor-02/17/2022
       ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
436093408     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX VA Investment Purchase NA
436093409     A A A A A A A A Closed FPRO1244 2022-02-15 17:30 2022-02-22 12:56 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093410     D A A A D A A A Closed FCOM1231 2022-02-15 13:16 2022-02-16 08:07 Resolved 1 - Information D A Compliance Missing Doc - Closing Package The Initial 1003 is Missing Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-02/16/2022

Ready for Review-Document Uploaded. Please is attached copy of Initial 1003, signed & dated by LO, borrower signature is not required for conventional loans.  - Seller-02/15/2022

Open-The Initial 1003 is Missing There is an initial 1003 in the file, however, it isn't signed by the borrower or the broker and there is no date.  - Due Diligence Vendor-02/10/2022		 Ready for Review-Document Uploaded. Please is attached copy of Initial 1003, signed & dated by LO, borrower signature is not required for conventional loans.  - Seller-02/15/2022

 Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-02/16/2022

     2000063577 Hou 1003 (Initial).pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093411     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436093412     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 Refinance Cash Out - Other
436093413     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436093414     D A A A A A D A Closed FPRO1244 2022-02-15 09:04 2022-02-22 13:36 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open-3rd party product missing from loan file.  - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093415     C A A A C A A A Closed FPRO1244 2022-02-15 17:30 2022-02-22 13:43 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093416     D A A A A A D A Closed FPRO1244 2022-02-15 17:31 2022-02-23 10:32 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% 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 660 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53 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 62.46% 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 62.46% 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
436093417     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093418     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093419     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436093420     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
436093421     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AZ Investment Purchase NA
436093422     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436093423     D A A A A A D A Closed FPRO1244 2022-02-15 17:31 2022-02-23 10:35 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436093424     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MO Investment Purchase NA
436093425     A A A A A A A A Closed FPRO1244 2022-02-15 17:31 2022-02-23 10:40 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093426     D A A A A A D A Closed FPRO1244 2022-02-15 12:35 2022-02-23 10:44 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open-3rd party product missing from loan file.  - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
 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 11.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 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 71 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
436093427     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436093428     D A A A A A D A Closed FPRO1244 2022-02-15 17:31 2022-02-23 10:48 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/23/2022
       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
436093429     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093430     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436093431     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436093432     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093433     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
436093434     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436093435     D A A A A A D A Closed FPRO1244 2022-02-08 18:52 2022-02-22 11:57 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open- - Due Diligence Vendor-02/08/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 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 806 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 35.43% 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 61 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 Purchase NA
436093436     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CO Investment Refinance Cash Out - Other
436093437     D A A A A A D A Closed FPRO1244 2022-02-15 11:35 2022-02-22 11:59 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open- - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436093438     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
436093439     D A A A C A D A Closed FPRO1244 2022-02-15 11:06 2022-02-22 12:02 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open- - Due Diligence Vendor-02/15/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.08% 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 800 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 13 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 Purchase NA
436093440     D A A A C A D A Closed FPRO1244 2022-02-11 10:39 2022-02-22 12:11 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/15/2022
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-02/11/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-02/22/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290653     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290678     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290664     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290578     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290579     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290581     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290582     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290584     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
436290585     A A A A A A A A Closed FPRO1244 2022-02-17 11:36 2022-03-01 14:34 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290586     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290587     A A A A A A A A Closed FPRO1244 2022-02-17 11:36 2022-03-01 14:37 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
 Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290588     D A A A A A D A Closed FPRO1244 2022-02-17 11:36 2022-03-02 19:04 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 XXX.   - Due Diligence Vendor-03/03/2022
Open-CDA not provided and CDA needed.   - Due Diligence Vendor-03/03/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/03/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436290590     A A A A A A A A Closed FPRO1244 2022-02-17 11:34 2022-03-01 14:41 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Rescinded-Loan amount under XXX require only appraisal per guideline. No CDA required. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
 Rescinded-Loan amount under XXX require only appraisal per guideline. No CDA required. - Due Diligence Vendor-02/17/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436290591     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NJ Investment Purchase NA
436290592     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MO Investment Purchase NA
436290594     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
436290595     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290597     D A A A A A D A Closed FPRO1244 2022-02-17 11:36 2022-03-02 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 XXX. - Due Diligence Vendor-03/03/2022
Open-CDA not provided and CDA needed.   - Due Diligence Vendor-03/03/2022		   Resolved-Received desk review showing value of XXX and variance of XXX. - Due Diligence Vendor-03/03/2022
       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
436290600     A A A A A A A A Closed FPRO1244 2022-02-17 11:35 2022-03-01 16:20 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX PA Second Home Purchase NA
436290601     A A A A A A A A Closed FPRO1244 2022-02-17 11:35 2022-03-02 19:11 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 ofXXX and variance of XXX. - Due Diligence Vendor-03/03/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Received desk review showing value of XXX and variance of XXX. - Due Diligence Vendor-03/03/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290602     C A A A C A A A Closed FPRO1244 2022-02-17 11:35 2022-03-01 16:26 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290603     A A A A A A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:36 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290604     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290606     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290607     C A C A A A A A Closed FCRE1159 2022-02-25 19:01 2022-02-28 13:03 Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Disbursement Date Resolved-Updated policy with Effective Date of XXX provided, which is prior to Note Date of XXX- issue resolved. - Due Diligence Vendor-02/28/2022
Ready for Review-Document Uploaded. Please see updated policy.  - Seller-02/26/2022
Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-02/21/2022		 Ready for Review-Document Uploaded. Please see updated policy.  - Seller-02/26/2022

 Resolved-Updated policy with Effective Date of XXX provided, which is prior to Note Date of XXX- issue resolved. - Due Diligence Vendor-02/28/2022
     2000064087_Hazard Insurance Binder- 2-08-22.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290608     D A A A D A A A Closed FCOM4028 2022-02-25 14:52 2022-02-28 11:38 Resolved 1 - Information D A Compliance Missing Doc - Closing Package Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-02/28/2022

Ready for Review-Document Uploaded. Please see attached copy of Recoded Deed of Trust.  - Seller-02/25/2022

Open-Missing evidence of Mortgage recording The Notary didn't sign the DOT.
 - Due Diligence Vendor-02/18/2022		 Ready for Review-Document Uploaded. Please see attached copy of Recoded Deed of Trust.  - Seller-02/25/2022

 Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-02/28/2022

 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83 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 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points		   2000064110 Deed of Trust (Recorded).pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CO Investment Purchase NA
436290609     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290611     C A A A C A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:40 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290613     D A A A C A D A Closed FPRO1244 2022-02-17 11:35 2022-03-01 14:31 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Receive desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. - Due Diligence Vendor-03/01/2022		   Resolved-Receive desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290614     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
436290615     C A A A C A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:43 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290616     C A A A C A A A Closed FPRO1244 2022-02-17 11:35 2022-03-01 16:49 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290618     A A A A A A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:54 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290619     D A D A A A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:55 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290619     D A D A A A A A Closed FCRE1469 2022-02-28 20:18 2022-03-01 09:23 Resolved 1 - Information D A Credit Missing Doc - Assets Asset 3 Missing Resolved-Confirmed sufficient assets available for cash to close and reserves excluding this account.  Total funds available XXX - XXX cash to close including POC and Earnest Money = XXX or XXX months' P&I payments as per guidelines (minimum six months principal and interest). - Due Diligence Vendor-03/01/2022
Ready for Review-Document Uploaded. XXX XXX removed as it is not needed. - Seller-03/01/2022
Open-XXX Accnt#XXX validating the amount of XXX used to qualify. - Due Diligence Vendor-02/25/2022		 Ready for Review-Document Uploaded. XXX XXX removed as it is not needed. - Seller-03/01/2022
 Resolved-Confirmed sufficient assets available for cash to close and reserves excluding this account.  Total funds available XXX -  XXX cash to close including POC and Earnest Money = XXX or XXX months' P&I payments as per guidelines (minimum six months principal and interest). - Due Diligence Vendor-03/01/2022
     1003 (Final)_Robinhood 2398 removed.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290620     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
436290621     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX WA Investment Purchase NA
436290622     C A C A A A A A Closed FCRE5047 2022-03-05 13:22 2022-03-07 09:05 Resolved 1 - Information C A Credit Title Amount of title insurance is less than mortgage amount Resolved-Confirmed Final Policy reflects correct coverage amount, item resolved. - Due Diligence Vendor-03/07/2022

Ready for Review-Document Uploaded. Please see attached. Amount of Insurance matches Mortgage Amount, - Seller-03/05/2022

Open-Please provide documentation showing the amount of title insurance provided in the Lender Title Policy. It is not listed on the Preliminary Report. - Due Diligence Vendor-02/25/2022		 Ready for Review-Document Uploaded. Please see attached. Amount of Insurance matches Mortgage Amount, - Seller-03/05/2022

 Resolved-Confirmed Final Policy reflects correct coverage amount, item resolved. - Due Diligence Vendor-03/07/2022

     2000064358 Megerdichian Final Title Policy.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290622     C A C A A A A A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:58 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. PER GUIDELINES, CDA NOT REQUIRED FOR LOAN AMOUNT UNDER XXX. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290624     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
436290626     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290627     D A A A C A D A Closed FPRO1244 2022-02-17 11:37 2022-03-01 16:59 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/17/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290627     D A A A C A D A Closed FCOM3527 2022-02-28 17:11 2022-03-01 14:23 Resolved 1 - Information A A Compliance TRID Post Consummation CD issued improperly Resolved-***Received all pages of PCCD - Due Diligence Vendor-03/01/2022

Ready for Review-Document Uploaded.  - Seller-02/28/2022

Open-Missing page 5 of PCCD. - Due Diligence Vendor-02/24/2022		 Ready for Review-Document Uploaded.  - Seller-02/28/2022

 Resolved-***Received all pages of PCCD - Due Diligence Vendor-03/01/2022

     2000064649 Yang - CD - Post Consummation.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290628     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
436290630     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290636     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AL Investment Purchase NA
436290637     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TN Investment Purchase NA
436290638     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
436290639     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290640     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TN Investment Purchase NA
436290642     A A A A A A A A Closed FPRO1244 2022-02-18 18:29 2022-03-01 17:03 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436290643     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290644     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
436290646     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
436290647     D A A A A A D A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:07 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290648     D A A A A A D A Closed FPRO1244 2022-02-18 18:27 2022-03-01 17:54 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 XXX.   - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
       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
436290649     C A A A C A A A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:27 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290650     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 Refinance Cash Out - Other
436290651     A A A A A A A A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:29 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290652     D A D A A A A A Closed FCRE1161 2022-03-01 19:55 2022-03-02 08:01 Resolved 1 - Information D A Credit Missing Doc - Insurance Flood Certificate Missing Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-03/02/2022
Ready for Review-Document Uploaded.  - Seller-03/02/2022
Open-Missing Flood Certificate THERES NO FLLOD DOC ON FILE. FLOOD INFO LOCATED AND OBTAINED BY APPRAISAL PAGE XXX - Due Diligence Vendor-02/22/2022		 Ready for Review-Document Uploaded.  - Seller-03/02/2022

 Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-03/02/2022

 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 7.27% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More APPLICANT ONLY HAS 2 CREDIT CARDS ON CREDIT REPORT THE REST ARE MORTGAGE AND ACCOUNTED IN THE reo SECTION

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

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		   2000063489_Flood Cert.pdf ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290654     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290656     A A A A A A A A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:31 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value o fXXX or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290658     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290660     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290661     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290662     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290663     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
436290666     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290668     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290669     D A A A A A D A Closed FPRO1244 2022-02-18 18:28 2022-03-10 10:36 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value oF XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
       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
436290670     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290671     A A A A A A A A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:36 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved. - Due Diligence Vendor-03/01/2022
       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
436290672     D A A A A A D A Closed FPRO1244 2022-02-18 18:28 2022-03-01 17:17 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 XXX. - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX - Due Diligence Vendor-03/01/2022
       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
436290673     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AZ Investment Purchase NA
436290674     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290675     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
436290676     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290677     D A A A A A D A Closed FPRO1244 2022-02-18 18:28 2022-03-01 17:13 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 XXX.   - Due Diligence Vendor-03/01/2022
Rescinded-CDA not provided and CDA needed. Order placed for third party product. CDA NOT REQUIRED FOR LOAN AMOUNT UNDER XXX PER GUIDELINES. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
 Rescinded-CDA not provided and CDA needed. Order placed for third party product. CDA NOT REQUIRED FOR LOAN AMOUNT UNDER XXX PER GUIDELINES. - Due Diligence Vendor-02/18/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436290680     D A A A A A D A Closed FPRO1244 2022-02-18 18:28 2022-03-10 10:38 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436290681     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
436290682     D A D A A A D A Closed FCRE7347 2022-03-14 20:06 2022-03-15 08:35 Resolved 1 - Information D A Credit Missing Doc Missing Lease Agreement Resolved-Executed current lease agreement provided, anticipated rent loss is confirmed as correct. - Due Diligence Vendor-03/15/2022
Ready for Review-Document Uploaded. XXX - Lease agreement for XXX property uploaded. - Seller-03/15/2022
Open-Missing lease agreement or schedule E to verify proof of rents received for REO XXX in the amount of XXX monthly per 1003. - Due Diligence Vendor-02/28/2022		 Ready for Review-Document Uploaded. 03/14 - Lease agreement for XXX  property uploaded. - Seller-03/15/2022
 Resolved-Executed current lease agreement provided, anticipated rent loss is confirmed as correct. - Due Diligence Vendor-03/15/2022

     730 lease.pdf 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
436290682     D A D A A A D A Closed FPRO1244 2022-02-18 18:28 2022-03-01 17:11 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 XXX   - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
       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
436290685     D A A A A A D A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:09 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 XXX.   - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436290686     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290687     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX VA Investment Purchase NA
436290688     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
436290689     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290690     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 Refinance Cash Out - Other
436290691     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
436290692     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
436290693     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
436290694     D A A A A A D A Closed FPRO1244 2022-02-18 18:30 2022-03-01 17:07 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 XXX.   - Due Diligence Vendor-03/01/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/18/2022		   Resolved-Received desk review showing value of XXX and variance of XXX.   - Due Diligence Vendor-03/01/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
436318903     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 Refinance Cash Out - Other
436318919     B A A A A A B A Closed FPRO1244 2022-02-28 11:56 2022-03-23 12:53 Resolved 1 - Information B A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/11/2022
Acknowledged-Confirmed per Advantage guidelines, for loan amount <XXX, a secondary valuation product is waived if SSR from FNMA returns at XXX or below; result in file indicates Risk Score as a 1 thus CDA not required. - Due Diligence Vendor-02/28/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
 Acknowledged-Confirmed per Advantage guidelines, for loan amount <XXX, a secondary valuation product is waived if SSR from FNMA returns at XXXor below; result in file indicates Risk Score as a XXX thus CDA not required. - Due Diligence Vendor-02/28/2022
 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.78% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.28% 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 744 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 Refinance Cash Out - Debt Consolidation
436318924     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 Refinance No Cash Out - Borrower Initiated
436318931     D A A A A A D A Closed FPRO1244 2022-02-28 09:41 2022-03-23 13:06 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/23/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331691     D A A A A A D A Closed FPRO1244 2022-03-02 14:30 2022-03-10 10:53 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
       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
436331694     D A A A C A D A Closed FPRO1244 2022-03-02 14:30 2022-03-11 11:33 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Rescinded-CDA not provided and CDA needed. Order placed for third party product. PER GUIDELINES, CDA NOT REQUIRED UNLESS LOAN AMOUNT IS >XXX. LOAN AMOUNT UNDER XXX SO NO CDA REQUIRED. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
 Rescinded-CDA not provided and CDA needed. Order placed for third party product. PER GUIDELINES, CDA NOT REQUIRED UNLESS LOAN AMOUNT IS >XXX. LOAN AMOUNT UNDER XXX SO NO CDA REQUIRED. - Due Diligence Vendor-03/02/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Second Home Refinance No Cash Out - Borrower Initiated
436331699     D A A A A A D A Closed FPRO1244 2022-03-02 14:31 2022-03-11 11:35 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331701     D A A A A A D A Closed FPRO1244 2022-03-02 14:30 2022-03-10 10:57 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX  variance. Finding resolved - Due Diligence Vendor-03/10/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX IN Primary Residence Refinance Cash Out - Other
436331711     D A A A A A D A Closed FPRO1244 2022-03-02 14:29 2022-03-11 12:34 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       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
436331712     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
436331721     D A A A A A D A Closed FPRO1244 2022-03-02 12:12 2022-03-11 12:37 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022
Open- - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
 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 660 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.76% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.76% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Refinance Cash Out - Other
436331722     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
436331723     D A A A A A D A Closed FPRO1244 2022-03-02 14:30 2022-03-11 12:38 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331728     D A A A A A D A Closed FPRO1244 2022-03-02 14:29 2022-03-11 12:40 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance Cash Out - Other
436331729     D A A A A A D A Closed FPRO1244 2022-03-02 11:58 2022-03-11 12:42 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022
Open- - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed FPRO1244 2022-03-02 14:29 2022-03-10 11:00 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/10/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed FCOM1266 2022-03-08 19:46 2022-03-09 10:45 Resolved 1 - Information A A Compliance Disclosures (Federal, State, and Data Dependent) Homeownership Counseling Disclosure Is Missing Resolved-***Received Homeownership Counseling Disclosure.  - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded.  - Seller-03/09/2022

Open-Missing Homeownership Counseling Disclosure is missing from file  - Due Diligence Vendor-03/08/2022		 Ready for Review-Document Uploaded.  - Seller-03/09/2022

 Resolved-***Received Homeownership Counseling Disclosure.  - Due Diligence Vendor-03/09/2022

     2000065829_Homeownership Counseling Disclosure.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed FCOM1252 2022-03-08 19:47 2022-03-09 10:44 Resolved 1 - Information A A Compliance TRID TRID: Missing Loan Estimate Resolved-***Received initial LE - Due Diligence Vendor-03/09/2022

Ready for Review-Document Uploaded.  - Seller-03/09/2022

Open-****** Missing ILE to confirm fees disclosed to borrower. - Due Diligence Vendor-03/03/2022		 Ready for Review-Document Uploaded.  - Seller-03/09/2022

 Resolved-***Received initial LE - Due Diligence Vendor-03/09/2022

     2000065829_Initial Loan Estimate.pdf Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed finding-3631 2022-03-08 19:47 2022-03-09 10:43 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022

Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing ILE to determine fees that fees disclosed 3 prior to application - Due Diligence Vendor-03/08/2022

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/03/2022		 Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

 Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022

       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed finding-3632 2022-03-08 19:47 2022-03-09 10:43 Resolved 1 - Information C A Compliance Disclosures (Federal, State, and Data Dependent) Consummation or Reimbursement Date Validation Test Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022

Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/03/2022		 Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

 Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022

       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed finding-3634 2022-03-08 19:47 2022-03-09 10:43 Resolved 1 - Information C A Compliance TRID Tolerance Charges That Cannot Increase Test Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022
Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). ****** Missing ILE to confirm fees disclosed to borrower. - Due Diligence Vendor-03/03/2022
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). - Due Diligence Vendor-03/03/2022		 Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

 Resolved- ***Received initial LE - Due Diligence Vendor-03/09/2022

       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331738     D A A A C A D A Closed finding-3635 2022-03-08 19:46 2022-03-09 10:38 Resolved 1 - Information C A Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test Resolved- ***Received Initial CD - Due Diligence Vendor-03/09/2022
Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022
Open-This loan failed the charges that in total cannot increase more than XXX test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX exceed the comparable charges XXX by more than XXX. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ****** Missing ILE to confirm fees disclosed to borrower. - Due Diligence Vendor-03/03/2022
Open-This loan failed the charges that in total cannot increase more than XXX test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX exceed the comparable charges (XXX) by more than XXX Please see the table that displays the Charges That Cannot Increase More Than XXX for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/03/2022		 Ready for Review-3/8: This is a NQM loan, compliance/tolerance test does not apply. Please waive. Thank you.
 - Seller-03/09/2022

 Resolved- ***Received Initial CD - Due Diligence Vendor-03/09/2022

       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436331742     D A A A A A D A Closed FPRO1244 2022-03-02 14:30 2022-03-11 12:43 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/02/2022		   Resolved-Desk review provided with a value of XXX  or XXX variance. Finding resolved - Due Diligence Vendor-03/11/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436480334     D A A A D A A A Closed FPRO1244 2022-03-08 01:29 2022-03-23 13:16 Resolved 1 - Information A A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/08/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/23/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX GA Primary Residence Purchase NA
436480334     D A A A D A A A Closed FCOM8227 2022-03-16 18:22 2022-03-17 14:48 Resolved 1 - Information D A Compliance Missing Doc TRID: Missing Loan Estimate Resolved-***Received Initial LE.  - Due Diligence Vendor-03/17/2022
Ready for Review-Document Uploaded.  - Seller-03/16/2022
Counter-***Received document labeled HOA Questionnaire. We are still missing the Initial Loan Estimate issued on XXX.  - Due Diligence Vendor-03/14/2022
Ready for Review-Document Uploaded.  - Seller-03/11/2022
Open-Missing Initial Loan estimate - Due Diligence Vendor-03/08/2022		 Ready for Review-Document Uploaded.  - Seller-03/16/2022

 Ready for Review-Document Uploaded.  - Seller-03/11/2022

 Resolved-***Received Initial LE.  - Due Diligence Vendor-03/17/2022

     4000002413 - Condo - HOA Questionnaire.pdf

1000800554 Initilal LE.pdf		 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX GA Primary Residence Purchase NA
436480393     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
436480416     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 Refinance Cash Out - Other
436480464     D A A A A A D A Closed FPRO1244 2022-03-08 01:27 2022-03-24 11:09 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/24/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/08/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/24/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
436544159     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 Refinance No Cash Out - Borrower Initiated
436544161     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 Refinance No Cash Out - Borrower Initiated
436544194     D A A A A A D A Closed FPRO1244 2022-03-09 13:51 2022-03-25 13:58 Resolved 1 - Information D A Property Missing Doc - Third Party Valuation 3rd Party Valuation Product is Required and Missing Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/25/2022
Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/09/2022		   Resolved-Desk review provided with a value of XXX or XXX variance. Finding resolved - Due Diligence Vendor-03/25/2022
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX MD Primary Residence Purchase NA
436544200     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
436544207     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